632 Riverside Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 632 Riverside Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,318 sqft · built 1974
Lot Size	0.24 acres (10,465 sqft)
Owner	Individual Name on Record
Last Sale	$170,625 (Jan 2022)
Tax Bill	$3,032 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jan 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`549477A000`

Property Details

APN / Parcel Number

Primary APN	`549477A000`
Alternative APN	`3-0009-4987-00-0102.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,224 sqft Living Area
Gross Area	2,804 sqft
1st Floor Area	1,318 sqft
Basement Area	1,066 sqft
Finished Basement	906 sqft
Unfinished Basement	160 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,465 sqft (0.24 acres)
Lot Dimensions	115 ft deep x 91 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	280 sqft
Patio Area	485 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	549477A000
Street Address	632 RIVERSIDE DR
City	SAINT CHARLES
State	MO
Zip	63304-7945
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PINE WOODS LOT 102
Legal Subdivision	PINE WOODS
Legal Lot Number	102
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	3
Census Block	3016
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	632 RIVERSIDE DR, SAINT CHARLES, MO 63304-7945
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · Line of Credit TRIDENT GROUP PARTNERS LLC
Jan 6, 2022	Warranty Deed, Transfer · Line of Credit TRIDENT GROUP PARTNERS LLC
Jun 18, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2022 · Amount on Record
Deed Sale	Jan 6, 2022 · Amount on Record
Prior Sale	Mar 8, 2001 · Amount on Record
Deed Document Number	20221333
Prior Transfer Date	Feb 26, 2001
Prior Transfer Doc	0000016641
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	632 RIVERSIDE DR, SAINT CHARLES, MO 63304-7945
Transaction Type	Mortgage
Record Updated	Oct 20, 2023
Title Company	ABSOLUTE TITLE, ABSOLUTE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 RIVERSIDE DR, SAINT CHARLES, MO 63304-7945

Mortgage

Document Number	0000030336
Date	May 27, 2022
Instrument	2022R-030336

Lender

Name	TRIDENT GROUP PARTNERS LLC
Type	Non-Lending Institution
Address	CHESTERFIELD, MO 63006

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	33 Months
Due	Jan 31, 2025

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 6, 2022
Property Address	632 RIVERSIDE DR, SAINT CHARLES, MO 63304-7945
Document Number	0000001333
Map Reference	MB 16 PG 20
Instrument Date	Jan 5, 2022
Instrument	2022R-001333
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ABSOLUTE TITLE, ABSOLUTE TITLE AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2722 SUNDOWNER DR, SAINT CHARLES, MO 63303-5056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 RIVERSIDE DR, SAINT CHARLES, MO 63304-7945

Mortgage

Document Number	0000030336
Date	Jan 6, 2022
Instrument	2022R-030336

Lender

Name	TRIDENT GROUP PARTNERS LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	37 Months
Due	Jan 31, 2025

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	632 RIVERSIDE DR, SAINT CHARLES, MO 63304-7945
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070901961
Date	Jun 18, 2019
Book Page	7090/1961
Instrument	20190618000298400

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$50,393 (-)	$265,224 (-) Land $60,000 Building $205,224
2025	$3,032.00	$50,393 (+11.81%)	$265,224 (+11.81%) Land $60,000 Building $205,224
2023		$45,071
2022			$237,216 Land $60,000 Building $177,216

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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