631 Riverside Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 631 Riverside Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1972
Lot Size	0.251 acres (10,920 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Oct 2021)
Tax Bill	$2,832 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`549382A000`

Property Details

APN / Parcel Number

Primary APN	`549382A000`
Alternative APN	`3-0009-4987-00-0016.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	3,100 sqft
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,920 sqft (0.251 acres)
Lot Dimensions	140 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	416 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	549382A000
Street Address	631 RIVERSIDE DR
City	SAINT CHARLES
State	MO
Zip	63304-7931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PINE WOODS LOT 16
Legal Subdivision	PINE WOODS
Legal Lot Number	16
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	3
Census Block	3010
Census Tract	311331

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	631 RIVERSIDE DR, SAINT CHARLES, MO 63304-7931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage F&B ACQUISITION GROUP LLC
Aug 3, 2022	Deed of Trust, Mortgage · Commercial Mortgage US BANK NA
Oct 6, 2021	Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage F&B ACQUISITION GROUP LLC
Oct 6, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2021 · Amount on Record
Deed Sale	Oct 6, 2021 · Amount on Record
Prior Sale	Oct 6, 2021 · Amount on Record
Deed Document Number	202183129
Prior Transfer Date	Oct 5, 2021
Prior Transfer Doc	2021R083129
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	631 RIVERSIDE DR, SAINT CHARLES, MO 63304-7931
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 RIVERSIDE DR, SAINT CHARLES, MO 63304-7931
Investor	Possibly a Property Investor

Mortgage

Document Number	0000083130
Date	Oct 6, 2021
Instrument	2021R-083130

Lender

Name	F&B ACQUISITION GROUP LLC
Type	Non-Lending Institution
Address	SAINT LOUIS, MO 63131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	631 RIVERSIDE DR, SAINT CHARLES, MO 63304-7931
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 RIVERSIDE DR, SAINT CHARLES, MO 63304-7931

Mortgage

Document Number	0000043212
Date	Aug 3, 2022
Instrument	2022R-043212

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jul 7, 2037

October 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Oct 6, 2021
Property Address	631 RIVERSIDE DR, SAINT CHARLES, MO 63304-7931
Document Number	2021R083129
Map Reference	MB 16 PG 20-22
Instrument Date	Sep 29, 2021
Instrument	2021R-083129
Transaction Type	Transfer
Record Updated	Oct 19, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R083130
Date	Oct 6, 2021
Instrument	2021R-083130

Lender

Name	F&B ACQUISITION GROUP LLC
Type	Non-Lending Institution
Address	SAINT LOUIS, MO 63131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 6, 2021
Property Address	631 RIVERSIDE DR, SAINT CHARLES, MO 63304-7931
Document Number	2021R083126
Map Reference	MB 16 PG 20-22
Instrument Date	Sep 28, 2021
Instrument	2021R-083126
Transaction Type	Transfer
Record Updated	Oct 19, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 RIVERSIDE DR, SAINT CHARLES, MO 63304-7931
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$47,044 (-)	$247,601 (-) Land $60,000 Building $187,601
2025	$2,832.00 (+8.13%)	$47,044 (+11.52%)	$247,601 (+11.52%) Land $60,000 Building $187,601
2024	$2,619.00
2023		$42,185
2022			$222,028 Land $60,000 Building $162,028

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

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

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.

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