1. Home
  2. Missouri
  3. St. Charles County
  4. Saint Charles
  5. Phillips Rd

6631 Phillips Rd, Saint Charles, MO 63301 Property Records

St. Charles County property record for 6631 Phillips Rd, Saint Charles, MO 63301

Property Summary

Property TypeFarm - Irrigated or Dry
Details3 bd · 2.5 ba · 9,787 sqft · built 1900
Lot Size10 acres (435,600 sqft)
Owner2 Individual Names on Record
Last Sale$469,000 (Jul 2017)
Tax Bill$8,542 (2025)
Deeds & MortgagesAug 2025 Line of Credit
Jun 2024 Sale
+ 3 more
Flood ZoneZone AE (high risk)
APNT080500008

Property Details

APN / Parcel Number

Primary APNT080500008
Alternative APN
  • 5-0108-1671-00-0006.4000000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area9,787 sqft Gross Area
1st Floor Area5,256 sqft
Basement Area3,781 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleMulti-Level
Exterior MaterialStone
Lot Area435,600 sqft
Garage TypeAttached
Garage Area750 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area260 sqft

Location & Zoning

Account NumberT080500008
Street Address6631 PHILLIPS RD
CitySAINT CHARLES
StateMO
Zip63301-7112
Property CategoryAgriculture or Farming
Property TypeAgriculture / Farming > Farm - Irrigated or Dry
Legal DescriptionPT SUR 1671
Legal SubdivisionUS SURV 1671
Legal Lot Number6
JurisdictionST CHARLES MO
Township / Civil DivisionRIVERS
Census Block Group2
Census Block2053
Census Tract310100

Owner

Source: St. Charles County records, as of August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address6631 PHILLIPS RD, SAINT CHARLES, MO 63301-7112
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 7, 2025Deed of Trust, Mortgage · Line of Credit
NEIGHBORS CU
Jun 4, 2024Beneficiary Deed, Transfer
Dec 3, 2018Deed of Trust, Mortgage · Conventional Mortgage
GERSHMAN INVESTMENT CORP
May 26, 2020Deed of Trust, Mortgage
FLAT BR MTG
Jul 13, 2017Quit Claim Deed, Transfer · Line of Credit
LINDELL BK&TR

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 13, 2017 · Amount on Record
Deed SaleJul 13, 2017 · Amount on Record
Prior SaleSep 17, 2007 · Amount on Record
Deed Document Number2017432200
Deed Book / Page6774 / 843
Last Transfer DateApr 18, 2024
Transfer Doc0000021639
Record UpdatedSep 20, 2026

August 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address6631 PHILLIPS RD, SAINT CHARLES, MO 63301-7112
Transaction TypeMortgage
Record UpdatedJan 13, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address6631 PHILLIPS RD, SAINT CHARLES, MO 63301-7112

Mortgage

Document Number0000034012
DateAug 7, 2025
Instrument2025R-034012
Lender
NameNEIGHBORS CU
TypeCredit Union
AddressSAINT LOUIS, MO 63123
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2024: Beneficiary Deed, Transfer

Document TypeBeneficiary Deed
JurisdictionST CHARLES MO
Recording DateJun 4, 2024
Property Address6631 PHILLIPS RD, SAINT CHARLES, MO 63301-7112
Document Number0000021639
Instrument DateApr 18, 2024
Instrument2024R-021639
Transaction TypeTransfer
Record UpdatedJan 13, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address6631 PHILLIPS RD, SAINT CHARLES, MO 63301-7112

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address6631 PHILLIPS RD, SAINT CHARLES, MO 63301-7112
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address6631 PHILLIPS RD, SAINT CHARLES, MO 63301-7112

Mortgage

Document Number0070090733
DateDec 3, 2018
Book Page7009/0733
Instrument20181203000673490
Lender
NameGERSHMAN INVESTMENT CORP
TypeMortgage Company
AddressCHESTERFIELD, MO 63017
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2048

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address6631 PHILLIPS RD, SAINT CHARLES, MO 63301-7112
Document Number0073110698
Instrument DateMay 26, 2020
Transaction TypeMortgage
Record UpdatedAug 11, 2020
Title CompanyFREEDOM TITLE, FREEDOM TITLE LLC-ST LOUIS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address6631 PHILLIPS RD ST CHARLES MO 633017112, ST CHARLES, MO 63301-7112

Mortgage

Document Number0073110698
DateJun 3, 2020
Book Page007311/000698
Instrument368700
Lender
NameFLAT BR MTG
TypeMortgage Company
AddressCOLUMBIA, MO 65201
Agreement
AmountAmount Recorded
Term360 Months
DueJun 2, 2050

July 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST CHARLES MO
Recording DateJul 13, 2017
Property Address6631 PHILLIPS RD, SAINT CHARLES, MO 63301-7112
Document Number0067740843
Book / Page006774 / 000843
Instrument DateJul 12, 2017
Instrument432200
Transaction TypeTransfer
Record UpdatedJul 18, 2017
Title CompanyTITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address6631 PHILLIPS RD ST CHARLES MO 633017112, ST CHARLES, MO 63301-7112

Mortgage

Document Number67740845
DateJul 13, 2017
Book Page006774/000845
Instrument432210
Lender
NameLINDELL BK&TR
TypeBank
AddressSAINT PETERS, MO 63376
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictOrchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$145,468 (-)$779,005 (-) Land $22,515 Building $756,490
2025$8,542.00 (+10.29%)$145,468 (+14.17%)$779,005 (+14.26%) Land $22,515 Building $756,490
2024$7,745.00
2023$127,416
2022$681,779 Land $22,515 Building $659,264

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 113 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies113 in force
Nearby Flood Claims921 (1978–2026)
Claims Outside the SFHA15 of 921
Most Recent ClaimMay 2026 · river or lake flooding
Claims by Event
  • Severe Storms, Tornadoes, And Flooding, Jul 2019 · 75 claims
  • Severe Storms, Tornadoes, Hail, Flooding, Jun 1995 · 54 claims
  • Severe Storms & Flooding, Sep 1993 · 347 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 RiskLow
lower than 98% of the US · lower than 96% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Brown Dog Networks
Fixed Wireless		50 / 10
Wisper ISP
Fixed Wireless		50 / 5

Nearby Properties on Phillips Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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