628 Woodstream Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 628 Woodstream Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,974 sqft · built 1984
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$189,900 (Mar 2018)
Tax Bill	$3,327 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Aug 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`522180B008`

Property Details

APN / Parcel Number

Primary APN	`522180B008`
Alternative APN	`3-0009-5647-00-0008.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,974 sqft Living Area
Gross Area	3,012 sqft
1st Floor Area	1,274 sqft
Basement Area	1,218 sqft
Finished Basement	700 sqft
Unfinished Basement	518 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	126 sqft
Deck Area	Deck Area
Patio Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	522180B008
Street Address	628 WOODSTREAM DR
City	SAINT CHARLES
State	MO
Zip	63304-7971
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	MCCLAY TRLS #1 LOT 8
Legal Subdivision	MCCLAY TRAILS #1
Legal Lot Number	8
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	3
Census Block	3010
Census Tract	311331

Owner

628 Woodstream Dr is owned and occupied by two individuals who bought it in March 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	628 WOODSTREAM DR, SAINT CHARLES, MO 63304-7971
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
Oct 24, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 8, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 2, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 18, 2021	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 14, 2020	Loan Modification, Mortgage · FHA Mortgage SHELLPOINT MTG SVCNG
Mar 15, 2018	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2018 · Amount on File
Deed Sale	Mar 15, 2018 · Amount on File
Prior Sale	Jun 6, 2013 · Amount on File
Deed Document Number	2018137600
Deed Book / Page	6891 / 1357
Prior Transfer Date	Dec 18, 2012
Prior Transfer Doc	0059201937
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	628 WOODSTREAM DR, SAINT CHARLES, MO 63304-7971
Transaction Type	Mortgage
Record Updated	Nov 7, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 WOODSTREAM DR, SAINT CHARLES, MO 63304-7971

Mortgage

Document Number	0000043903
Date	Oct 24, 2023
Instrument	2023R-043903

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	318 Months
Due	Apr 1, 2050

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	628 WOODSTREAM DR, SAINT CHARLES, MO 63304-7971
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 WOODSTREAM DR, SAINT CHARLES, MO 63304-7971

Mortgage

Document Number	0000031739
Date	Aug 8, 2023
Instrument	2023R-031739

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	320 Months
Due	Apr 1, 2050

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	628 WOODSTREAM DR, SAINT CHARLES, MO 63304-7971
Transaction Type	Mortgage
Record Updated	Nov 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 WOODSTREAM DR, SAINT CHARLES, MO 63304-7971

Mortgage

Document Number	0000059774
Date	Nov 2, 2022
Instrument	2022R-059774

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Apr 1, 2050

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	628 WOODSTREAM DR, SAINT CHARLES, MO 63304-7971
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 WOODSTREAM DR, SAINT CHARLES, MO 63304-7971

Mortgage

Document Number	2021R069119
Date	Aug 18, 2021
Instrument	2021R-069119

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	TEMPE, AZ 85284

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Apr 1, 2050

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	628 WOODSTREAM DR, SAINT CHARLES, MO 63304-7971
Document Number	0072960087
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 WOODSTREAM DR ST CHARLES MO 633047971, ST CHARLES, MO 63304-7971

Mortgage

Document Number	0072960087
Date	May 15, 2020
Book Page	007296/000087
Instrument	315530

Lender

Name	SHELLPOINT MTG SVCNG
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2050

Interest

Rate	4%

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 15, 2018
Property Address	628 WOODSTREAM DR, SAINT CHARLES, MO 63304-7971
Document Number	0068911357
Book / Page	6891 / 1357
Map Reference	MB 23 PG 8
Instrument Date	Mar 12, 2018
Instrument	20180315000137600
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 KIMBER LN, 410, EVANSVILLE, IN 47715-2819

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 WOODSTREAM DR, SAINT CHARLES, MO 63304-7971

Mortgage

Document Number	20180315000137610
Date	Mar 15, 2018
Instrument	20180315000137610

Lender

Name	CORNERSTONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Apr 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 628 Woodstream Dr was $3,327, up 3.8% 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		$55,348 (-)	$291,305 (-) Land $60,000 Building $231,305
2025	$3,327.00 (+3.77%)	$55,348	$291,305 Land $60,000 Building $231,305
2024	$3,206.00
2023		$51,749
2022			$272,365 Land $50,000 Building $222,365

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 628 Woodstream Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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	4 units insured incl. 4 condo units
Nearby Flood Claims	6 (1979–2020)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Aug 2020 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

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

The area around 628 Woodstream 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 431 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

Nearby Properties on Woodstream Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures