St. Charles County property record for 656 Nancy Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,288 sqft · built 1966 |
| Lot Size | 0.182 acres (7,968 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $180,000 (Nov 2018) |
| Tax Bill | $3,093 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 090870A000 |
| Primary APN | 090870A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,288 sqft Living Area |
| 1st Floor Area | 1,288 sqft |
| Basement Area | 576 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1966 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Lot Area | 7,968 sqft |
| Lot Dimensions | 96 ft deep x 83 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 36 sqft |
| Patio Area | 312 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 090870A000 |
|---|---|
| Old Parcel Number | 090870A000 |
| Street Address | 656 NANCY DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4856 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | SUNNYBROOK PK #1 LOT 81 |
| Legal Range | 04E |
| Legal Township | 47N |
| Legal Subdivision | SUNNYBROOK PK #1 |
| Legal Lot Number | 81 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 310601 |
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 656 NANCY DR, SAINT CHARLES, MO 63301-4856 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU |
| Nov 16, 2018 | Warranty Deed, Transfer SCOTT CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 2018 · Amount on Record |
| Deed Sale | Nov 16, 2018 · Amount on Record |
| Prior Sale | Sep 25, 2008 · Amount on Record |
| Deed Document Number | 0070031900 |
| Deed Book / Page | 7003 / 1900 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 656 NANCY DR, SAINT CHARLES, MO 63301-4856 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 656 NANCY DR, SAINT CHARLES, MO 63301-4856 |
| Document Number | 0073710121 |
|---|---|
| Date | Aug 13, 2020 |
| Book Page | 7371/121 |
| Instrument | 20200813000581480 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Address | EDWARDSVILLE, IL 62025 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 16, 2018 |
| Property Address | 656 NANCY DR, SAINT CHARLES, MO 63301-4856 |
| Document Number | 0070031900 |
| Book / Page | 007003 / 001900 |
| Instrument Date | Nov 15, 2018 |
| Instrument | 648950 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2018 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 656 NANCY DR ST CHARLES MO 633014856, ST CHARLES, MO 63301-4856 |
| Document Number | 70031902 |
|---|---|
| Date | Nov 16, 2018 |
| Book Page | 007003/001902 |
| Instrument | 648960 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Address | EDWARDSVILLE, IL 62025 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 15, 2048 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,093.00 | $49,309 (+9.94%) | $259,520 (+9.94%) Land $60,000 Building $199,520 |
| 2023 | $44,852 | ||
| 2022 | $236,063 Land $60,000 Building $176,063 |
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.
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 |
| Nearby Flood Claims | 9 (1981–1990) |
| Most Recent Claim | May 1990 · rainfall accumulation |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 494 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband 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 Fixed Wireless | 100 / 20 |
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