St. Charles County property record for 628 Timberidge Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,326 sqft · built 1987 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Company Name on File |
| Tax Bill | $5,530 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jan 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A870002949 |
| Primary APN | A870002949 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,326 sqft Living Area |
| Gross Area | 4,426 sqft |
| 1st Floor Area | 1,463 sqft |
| Basement Area | 1,325 sqft |
| Finished Basement | 687 sqft |
| Unfinished Basement | 638 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870002949 |
|---|---|
| Street Address | 628 TIMBERIDGE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-3101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIDGEWOOD EST LOT 8 |
| Legal Subdivision | RIDGEWOOD EST |
| Legal Lot Number | 8 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 310903 |
628 Timberidge Dr is owned by a company that acquired it in January 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 120 S RIVERSIDE PLZ, 2000, CHICAGO, IL 60606-6995 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 5, 2022 | Deed of Trust, Mortgage · Commercial Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
| Jan 30, 2023 | Special Warranty Deed, Transfer STEWART TITLE, STEWART TITLE GUARANTY CO |
| May 25, 2021 | Warranty Deed, Transfer NOT AVAILABLE, UST |
| Oct 22, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 30, 2023 |
| Deed Sale | Jan 30, 2023 |
| Prior Sale | May 25, 2021 · Amount on File |
| Deed Document Number | 20233512 |
| Prior Transfer Date | Oct 16, 2019 |
| Prior Transfer Doc | 0071662155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 628 TIMBERIDGE DR, SAINT CHARLES, MO 63303-3101 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000001048 |
|---|---|
| Date | Jan 5, 2022 |
| Instrument | 2022R-001048 |
| Name | MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10036 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 30, 2023 |
| Property Address | 628 TIMBERIDGE DR, SAINT CHARLES, MO 63303-3101 |
| Document Number | 0000003512 |
| Map Reference | MB 26 PG 38 |
| Instrument Date | Dec 22, 2021 |
| Instrument | 2023R-003512 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2023 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 120 S RIVERSIDE PLZ STE 2000, 2000, CHICAGO, IL 60606-6995 |
| Name | Verified Name |
|---|---|
| Address | 120 S RIVERSIDE PLZ STE 2000, 2000, CHICAGO, IL 60606-6995 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 25, 2021 |
| Property Address | 628 TIMBERIDGE DR, SAINT CHARLES, MO 63303-3101 |
| Document Number | 2021R044870 |
| Map Reference | MB 26 PG 38 |
| Instrument Date | May 18, 2021 |
| Instrument | 2021R-044870 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2021 |
| Title Company | NOT AVAILABLE, UST |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 628 TIMBERIDGE DR, 628, SAINT CHARLES, MO 63303-3101 |
| Name | Verified Name |
|---|---|
| Address | 120 S RIVERSIDE PLZ, CHICAGO, IL 60606-3913 |
| Investor | Possibly a Property Investor |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 22, 2019 |
| Property Address | 628 TIMBERIDGE DR, SAINT CHARLES, MO 63303-3101 |
| Document Number | 0071662155 |
| Book / Page | 7166 / 2155 |
| Map Reference | MB 26 PG 38 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 20191022000593940 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 628 TIMBERIDGE DR, SAINT CHARLES, MO 63303-3101 |
| Document Number | 20191022000593950 |
|---|---|
| Date | Oct 22, 2019 |
| Instrument | 20191022000593950 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2025 property tax bill for 628 Timberidge Dr was $5,530, up 5.8% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $88,571 (-) | $466,161 (-) Land $80,000 Building $386,161 | |
| 2025 | $5,530.00 (+5.76%) | $88,571 | $466,161 Land $80,000 Building $386,161 |
| 2024 | $5,229.00 | ||
| 2023 | $81,767 | ||
| 2022 | $430,352 Land $72,000 Building $358,352 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 628 Timberidge Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 75 (1979–2020) |
| Claims Outside the SFHA | 1 of 75 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 628 Timberidge 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 328 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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