643 Nancy Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 643 Nancy Dr, Saint Charles, MO 63301 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,325 sqft · built 1969
Lot Size	0.302 acres (13,140 sqft)
Owner	Individual Name on File
Last Sale	$181,300 (Nov 2021)
Tax Bill	$3,029 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`090500A000`

Property Details

APN / Parcel Number

Primary APN	`090500A000`
Alternative APN	`6-010A-4437-00-0044.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,325 sqft Living Area
Gross Area	2,839 sqft
1st Floor Area	1,325 sqft
Basement Area	1,073 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,140 sqft (0.302 acres)
Lot Dimensions	146 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	316 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	090500A000
Street Address	643 NANCY DR
City	SAINT CHARLES
State	MO
Zip	63301-4863
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNNYBROOK PK #1 LOT 44
Legal Subdivision	SUNNYBROOK PK #1
Legal Lot Number	44
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	1
Census Block	1012
Census Tract	310601

Owner

Source: St. Charles County records · APN 090500A000

Assessment roll updated August 7, 2026 · Last verified August 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 File
Mailing Address	643 NANCY DR, SAINT CHARLES, MO 63301-4863
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Warranty Deed, Transfer · Conventional Mortgage MONTGOMERY BANK NA
Nov 24, 2021	Affidavit of Death of Joint Tenant, Transfer
Nov 24, 2021	Affidavit of Death of Joint Tenant, Transfer
Dec 04, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 24, 2021 · Amount on Record
Deed Sale	Nov 24, 2021 · Amount on Record
Prior Sale	Nov 24, 2021 · Amount on Record
Deed Document Number	202196248
Prior Transfer Date	Sep 16, 2021
Prior Transfer Doc	2021R096245
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 24, 2021
Property Address	643 NANCY DR, SAINT CHARLES, MO 63301-4863
Document Number	2021R096248
Map Reference	MB 7 PG 68&69
Instrument Date	Nov 16, 2021
Instrument	2021R-096248
Transaction Type	Transfer
Record Updated	Dec 07, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 NANCY DR, SAINT CHARLES, MO 63301-4863

Mortgage

Document Number	2021R096249
Date	Nov 24, 2021
Instrument	2021R-096249

Lender

Name	MONTGOMERY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Dec 01, 2028
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	5.62%
Index	1-Year CMT
Max Rate	8.62%

November 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Nov 24, 2021
Property Address	643 NANCY DR, SAINT CHARLES, MO 63301-4863
Document Number	2021R096246
Map Reference	MB 7 PG 68&69
Instrument Date	Nov 16, 2021
Instrument	2021R-096246
Transaction Type	Transfer
Record Updated	Dec 07, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 NANCY DR, SAINT CHARLES, MO 63301-4863

November 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Nov 24, 2021
Property Address	643 NANCY DR, SAINT CHARLES, MO 63301-4863
Document Number	2021R096245
Map Reference	MB 7 PG 68&69
Instrument Date	Sep 16, 2021
Instrument	2021R-096245
Transaction Type	Transfer
Record Updated	Dec 07, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 04, 2017
Property Address	643 NANCY DR, SAINT CHARLES, MO 63301-4863
Document Number	0068472054
Book / Page	006847 / 002054
Instrument Date	Nov 15, 2017
Instrument	748740
Transaction Type	Transfer
Record Updated	Dec 11, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6784 ELDER AVE ROSAMOND CA 935607547, ROSAMOND, CA 93560-7547

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$48,277 (-)	$254,091 (-) Land $60,000 Building $194,091
2025	$3,029.00 (+7.03%)	$48,277 (+9.69%)	$254,091 (+9.69%) Land $60,000 Building $194,091
2024	$2,830.00
2023		$44,014
2022			$231,653 Land $60,000 Building $171,653

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833106011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	9 (1981–1990)
Most Recent Claim	May 1990, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 494 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
WH i3B Bidco LLC/WH i3B Topco	Fiber	8,000 / 8,000
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Nancy Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures