63 Bay Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 63 Bay Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 948 sqft · built 1940
Lot Size	0.237 acres (10,360 sqft)
Owner	Individual Name on File
Last Sale	$48,500 (Jul 2020)
Tax Bill	$904 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Apr 2023 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`909540A000`

Property Details

APN / Parcel Number

Primary APN	`909540A000`
Alternative APN	`5-0017-4477-00-0063.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	948 sqft Living Area
1st Floor Area	948 sqft
Basement Area	48 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	10,360 sqft
Lot Dimensions	148 ft deep x 70 ft wide
Garage Type	Attached
Porch	Porch
Porch Area	72 sqft
Patio Area	858 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	909540A000
Old Parcel Number	909540A000
Street Address	63 BAY DR
City	SAINT CHARLES
State	MO
Zip	63301-5913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE1
Legal Description	WOODLAND PK HARBOR LOT 63
Legal Range	05E
Legal Township	48N
Legal Subdivision	WOODLAND PK HARBOR
Legal Lot Number	63
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	3
Census Block	3031
Census Tract	310100

Owner

63 Bay Dr is owned and occupied by an individual who bought it in July 2020.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	63 BAY DR, SAINT CHARLES, MO 63301-5913
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
Apr 5, 2024	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Apr 25, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jul 30, 2020	Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2020 · Amount on File
Deed Sale	Jul 30, 2020 · Amount on File
Deed Document Number	0073582134
Deed Book / Page	7358 / 2134
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	63 BAY DR, SAINT CHARLES, MO 63301-5913
Transaction Type	Mortgage
Record Updated	Apr 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 BAY DR, SAINT CHARLES, MO 63301-5913

Mortgage

Document Number	0000012848
Date	Apr 5, 2024
Instrument	2024R-012848

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Apr 1, 2064

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	63 BAY DR, SAINT CHARLES, MO 63301-5913
Transaction Type	Mortgage
Record Updated	May 9, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 BAY DR, SAINT CHARLES, MO 63301-5913

Mortgage

Document Number	0000015448
Date	Apr 25, 2023
Instrument	2023R-015448

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	474 Months
Due	Oct 1, 2062

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 30, 2020
Property Address	63 BAY DR, SAINT CHARLES, MO 63301-5913
Document Number	0073582134
Book / Page	7358 / 2134
Map Reference	MB 5 PG 52
Instrument Date	Jul 24, 2020
Instrument	20200730000540790
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	HERITAGE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 BAY DR, SAINT CHARLES, MO 63301-5913

Mortgage

Document Number	20200730000540800
Date	Jul 30, 2020
Instrument	20200730000540800

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 63 Bay Dr was $904.

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$904.00	$14,728	$77,517 Land $2,500 Building $75,017
2023		$14,343
2022			$75,491 Land $2,500 Building $72,991

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 63 Bay Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 132 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	132 in force
Nearby Flood Claims	1,900 (1978–2026)
Claims Outside the SFHA	82 of 1,900
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2019 · 103 claims Severe Storms And Flooding, Jul 2008 · 133 claims Severe Storms & Flooding, Oct 1993 · 657 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

Wildfire risk around 63 Bay Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brown Dog Networks Fixed Wireless	50 / 10

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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