623 River Bend Estates Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 623 River Bend Estates Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,160 sqft · built 1986
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$31,300 (Apr 2014)
Tax Bill	$4,304 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A870000244`

Property Details

APN / Parcel Number

Primary APN	`A870000244`
Alternative APN	`3-0014-6007-00-0078.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,160 sqft Living Area
Gross Area	3,759 sqft
1st Floor Area	1,161 sqft
Basement Area	1,143 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Bi-Level
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Patio Area	326 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A870000244
Street Address	623 RIVER BEND ESTATES DR
City	SAINT CHARLES
State	MO
Zip	63303-6063
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER BEND EST #3 LOT 78
Legal Subdivision	RIVER BEND EST #3
Legal Lot Number	78
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	2
Census Block	2006
Census Tract	311145

Owner

623 River Bend Estates Dr is owned and occupied by an individual who acquired it in June 2024.

Source: St. Charles County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	623 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6063
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jul 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
May 3, 2019	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2014 · Amount on File
Deed Sale	Apr 2, 2014 · Amount on File
Prior Sale	Oct 1, 1998 · Amount on File
Deed Document Number	2014160270
Deed Book / Page	6170 / 346
Last Transfer Date	Jun 11, 2024
Transfer Doc	0000023800
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	623 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6063
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 RIVER BEND ESTATES DR 623, 623, SAINT CHARLES, MO 63303-6063

Mortgage

Document Number	0000022440
Date	Apr 19, 2022
Instrument	2022R-022440

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	623 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6063
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6063

Mortgage

Document Number	2021R017860
Date	Mar 1, 2021
Instrument	2021R-017860

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	623 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6063
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067810356
Date	Jul 26, 2017
Book Page	6781/0356
Instrument	20170726000463830

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	623 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6063
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070690789
Date	May 3, 2019
Book Page	7069/0789
Instrument	20190503000209880

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Apr 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 623 River Bend Estates Dr was $4,304, up 7.3% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$71,739 (-)	$377,574 (-) Land $70,000 Building $307,574
2025	$4,304.00 (+7.3%)	$71,739	$377,574 Land $70,000 Building $307,574
2024	$4,011.00
2023		$64,846
2022			$341,296 Land $50,000 Building $291,296

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 623 River Bend Estates Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 623 River Bend Estates Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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