St. Charles County property record for 635 River Bend Estates Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,275 sqft · built 1986 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $437,000 (Aug 2024) |
| Tax Bill | $4,858 (2025) |
| Deeds & Mortgages | Oct 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | A870000264 |
| Primary APN | A870000264 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,275 sqft Living Area |
| Gross Area | 3,915 sqft |
| 1st Floor Area | 1,211 sqft |
| Basement Area | 1,184 sqft |
| Finished Basement | 1,000 sqft |
| Unfinished Basement | 184 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 108 sqft |
| Deck Area | Deck Area |
| Patio Area | 266 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870000264 |
|---|---|
| Street Address | 635 RIVER BEND ESTATES DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6064 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER BEND EST #3 LOT 98 |
| Legal Subdivision | RIVER BEND EST #3 |
| Legal Lot Number | 98 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 311145 |
635 River Bend Estates Dr is owned and occupied by two individuals who bought it in August 2024.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 635 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6064 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2024 · Amount on File |
| Deed Sale | Aug 14, 2024 · Amount on File |
| Prior Sale | Jun 5, 2009 · Amount on File |
| Deed Document Number | 202432770 |
| Prior Transfer Date | Sep 26, 2019 |
| Prior Transfer Doc | 0072022156 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 23, 2019 |
| Property Address | 635 RIVER BEND ESTATES DR, SAINT CHARLES, MO 63303-6064 |
| Document Number | 0071680108 |
| Book / Page | 007168 / 000108 |
| Instrument Date | Oct 23, 2019 |
| Instrument | 597900 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 635 RIVER BEND ESTATES DR ST CHARLES MO 633036064, ST CHARLES, MO 63303-6064 |
The 2025 property tax bill for 635 River Bend Estates Dr was $4,858, up 12.4% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $81,025 (-) | $426,445 (-) Land $84,000 Building $342,445 | |
| 2025 | $4,858.00 (+12.4%) | $81,025 | $426,445 Land $84,000 Building $342,445 |
| 2024 | $4,322.00 | ||
| 2023 | $69,917 | ||
| 2022 | $367,983 Land $60,000 Building $307,983 |
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.
FEMA maps place 635 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 risk around 635 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.
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 |
| 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.
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 |
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