7 Bal Harbor Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 7 Bal Harbor Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,289 sqft · built 1999
Lot Size	1.11 acres (48,787 sqft)
Owner	2 Individual Names on Record
Last Sale	$256,000 (Nov 2021)
Tax Bill	$4,604 (2025)
Deeds & Mortgages	Aug 2026 Transfer Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T001100100`

Property Details

APN / Parcel Number

Primary APN	`T001100100`
Alternative APN	`3-0036-8172-00-0005.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,289 sqft Living Area
Gross Area	4,040 sqft
1st Floor Area	1,619 sqft
Basement Area	1,179 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	48,787 sqft
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	66 sqft
Deck Area	Deck Area
Patio Area	607 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001100100
Street Address	7 BAL HARBOR CT
City	SAINT CHARLES
State	MO
Zip	63304-7319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAL HARBOR SOUTH LOTS 5 & C
Legal Subdivision	BAL HARBOR SOUTH REC PLAT
Legal Lot Number	5
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2000
Census Tract	311122

Owner

Source: St. Charles County records, as of August 13, 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	7 BAL HARBOR CT, SAINT CHARLES, MO 63304-7319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Nov 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 20, 2018	Quit Claim Deed, Transfer HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2021 · Amount on Record
Deed Sale	Nov 30, 2021 · Amount on Record
Prior Sale	Nov 20, 2018 · Amount on Record
Deed Document Number	202196707
Last Transfer Date	Jul 25, 2026
Transfer Doc	0000036713
Record Updated	Sep 20, 2026

August 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 3, 2026
Property Address	7 BAL HARBOR CT, SAINT CHARLES, MO 63304-7319
Document Number	0000036713
Instrument Date	Jul 25, 2026
Instrument	202636713
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 BAL HARBOR CT, SAINT CHARLES, MO 63304-7319

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 30, 2021
Property Address	7 BAL HARBOR CT, SAINT CHARLES, MO 63304-7319
Document Number	0000096707
Map Reference	MB 35 PG 357
Instrument Date	Nov 20, 2021
Instrument	2021R-096707
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 BAL HARBOR CT, SAINT CHARLES, MO 63304-7319

Mortgage

Document Number	0000096708
Date	Nov 30, 2021
Instrument	2021R-096708

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 20, 2018
Property Address	7 BAL HARBOR CT, SAINT CHARLES, MO 63304-7319
Document Number	0070050050
Book / Page	007005 / 000050
Instrument Date	Nov 14, 2018
Instrument	654280
Transaction Type	Transfer
Record Updated	Dec 12, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7 BAL HARBOR CT ST CHARLES MO 633047319, ST CHARLES, MO 63304-7319

Mortgage

Document Number	70050053
Date	Nov 20, 2018
Book Page	007005/000053
Instrument	654290

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2048

Tax Assessment & Valuation

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

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
2026		$77,683 (-)	$408,858 (-) Land $91,000 Building $317,858
2025	$4,604.00 (+9.33%)	$77,683 (+10.1%)	$408,858 (+10.1%) Land $91,000 Building $317,858
2024	$4,211.00 (+17.33%)
2023		$70,558 (+26.35%)
2022	$3,589.00	$55,845	$371,361 (+26.35%) Land $65,000 Building $306,361
2021			$293,921 Land $52,000 Building $241,921

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	16 (1981–2020)
Claims Outside the SFHA	1 of 16
Most Recent Claim	Aug 2020 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Aug 1993 · 6 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 Risk	Low lower than 93% of the US · lower than 90% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Wisper ISP.

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