634 River Bend Estates Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 634 River Bend Estates Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,647 sqft · built 1986
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$486,447 (Jun 2026)
Tax Bill	$3,943 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A870000266`

Property Details

APN / Parcel Number

Primary APN	`A870000266`
Alternative APN	`3-0014-6007-00-0100.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,647 sqft Living Area
Gross Area	4,072 sqft
1st Floor Area	1,783 sqft
Basement Area	1,769 sqft
Finished Basement	864 sqft
Unfinished Basement	905 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	95 sqft
Deck Area	Deck Area
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870000266
Street Address	634 RIVER BEND ESTATES DR
City	SAINT CHARLES
State	MO
Zip	63303-6060
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER BEND EST #3 LOT 100
Legal Subdivision	RIVER BEND EST #3
Legal Lot Number	100
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	2
Census Block	2005
Census Tract	311145

Owner

634 River Bend Estates Dr is owned and occupied by an individual who bought it in June 2026.

Source: St. Charles County records, as of June 26, 2026

Owner of Record	Individual Name on File
Mailing Address	634 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6060
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2026 · Amount on File
Deed Sale	Jun 18, 2026 · Amount on File
Prior Sale	Dec 13, 2002 · Amount on File
Deed Document Number	202628726
Prior Transfer Date	Feb 20, 2007
Prior Transfer Doc	0046902329
Record Updated	Sep 20, 2026

June 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 18, 2026
Property Address	634 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6060
Document Number	0000028726
Instrument Date	Jun 18, 2026
Instrument	202628726
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	INVEST TITLE, INVESTORS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6060

Mortgage

Document Number	0000028727,
Date	Jun 18, 2026
Instrument	202628727

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 634 River Bend Estates Dr was $3,943, up 8.5% from the year before.

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$3,943.00 (+8.53%)	$65,681	$345,688 Land $77,000 Building $268,688
2024	$3,633.00
2023		$58,700
2022			$308,945 Land $55,000 Building $253,945

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 634 River Bend Estates Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 634 River Bend Estates Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 92% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 378 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