625 Bemis Heights Pl, Saint Charles, MO 63303 Property Records

St. Charles County property record for 625 Bemis Heights Pl, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,982 sqft · built 2004
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$544,175 (Sep 2004)
Tax Bill	$8,353 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T050800025`

Property Details

APN / Parcel Number

Primary APN	`T050800025`
Alternative APN	`3-0117-9453-00-0156.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,982 sqft Living Area
Gross Area	6,800 sqft
1st Floor Area	2,982 sqft
Basement Area	2,982 sqft
Finished Basement	2,000 sqft
Unfinished Basement	982 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	20,473 sqft (0.47 acres)
Garage Type	Attached
Garage Area	836 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	58 sqft
Patio Area	341 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T050800025
Street Address	625 BEMIS HEIGHTS PL
City	SAINT CHARLES
State	MO
Zip	63303-1752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANORS AT HERITAGE TRLS LOT 156
Legal Subdivision	MANORS AT HERITAGE TRAILS
Legal Lot Number	156
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	3
Census Block	3017
Census Tract	311146

Owner

625 Bemis Heights Pl is owned and occupied by two individuals who bought it in September 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	625 BEMIS HEIGHTS PL, SAINT CHARLES, MO 63303-1752
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage WEST COMMUNITY CU
Oct 26, 2020	Deed of Trust, Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2004 · Amount on File
Deed Sale	Sep 10, 2004 · Amount on File
Deed Document Number	2004883450
Deed Book / Page	3975 / 70
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	625 BEMIS HEIGHTS PL, SAINT CHARLES, MO 63303-1752
Transaction Type	Mortgage
Record Updated	Apr 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 BEMIS HEIGHTS PL, SAINT CHARLES, MO 63303-1752

Mortgage

Document Number	2021R024667
Date	Mar 19, 2021
Instrument	2021R-024667

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2041

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	625 BEMIS HEIGHTS PL, SAINT CHARLES, MO 63303-1752
Document Number	0000084874
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	625 BEMIS HEIGHTS PL ST CHARLES MO 633031752, ST CHARLES, MO 63303-1752

Mortgage

Document Number	0000084874
Date	Nov 4, 2020
Instrument	84874

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount on Record
Term	180 Months
Due	Nov 3, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 625 Bemis Heights Pl was $8,353.

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		$139,651 (-)	$735,004 (-) Land $82,500 Building $652,504
2025	$8,353.00	$139,651	$735,004 Land $82,500 Building $652,504
2023		$134,300
2022			$706,842 Land $82,500 Building $624,342

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 625 Bemis Heights Pl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 625 Bemis Heights Pl is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 348 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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