St. Charles County property record for 7 Denbrook Ter, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,872 sqft · built 2023 |
| Lot Size | 0.199 acres (8,647 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $528,207 (Dec 2023) |
| Tax Bill | $6,262 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jul 2023 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T220700074 |
| Primary APN | T220700074 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,872 sqft Living Area |
| Gross Area | 3,744 sqft |
| 1st Floor Area | 1,872 sqft |
| Basement Area | 1,872 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 8,647 sqft (0.199 acres) |
| Parking Spaces | 2 Parking Spaces |
| Account Number | T220700074 |
|---|---|
| Street Address | 7 DENBROOK TER |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4871 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MANORS AT ELMHAVEN LOT 28 |
| Legal Subdivision | MANORS AT ELMHAVEN |
| Legal Lot Number | 28 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 310301 |
Source: St. Charles County records, as of September 10, 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 Record |
|---|---|
| Mailing Address | 7 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 3, 2025 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 18, 2023 | Deed of Trust, Mortgage · Construction Mortgage LINDELL BANK |
| Dec 21, 2023 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Dec 1, 2023 | Warranty Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2023 · Amount on Record |
| Deed Sale | Dec 1, 2023 · Amount on Record |
| Deed Document Number | 202349000 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 7 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 7 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Document Number | 0000049190 |
|---|---|
| Date | Nov 3, 2025 |
| Instrument | 2025R-049190 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 7 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 695 TRADE CENTER BLVD 200, 200, CHESTERFIELD, MO 63005-1276 |
| Document Number | 0000028493 |
|---|---|
| Date | Jul 18, 2023 |
| Instrument | 2023R-028493 |
| Name | LINDELL BANK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63139 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 7 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Title Company | CONTINENTAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 915 OLIVE ST 707970, 707970, SAINT LOUIS, MO 63101-1444 |
| Document Number | 0000051864 |
|---|---|
| Date | Dec 21, 2023 |
| Instrument | 2023R-051864 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 1, 2023 |
| Property Address | 7 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Document Number | 0000049000 |
| Map Reference | DOC 2021R-069564 |
| Instrument Date | Nov 30, 2023 |
| Instrument | 2023R-049000 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 695 TRADE CENTER BLVD # BLVD200, BLVD200, CHESTERFIELD, MO 63005-1228 |
| Name | Verified Name |
|---|---|
| Address | 7 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Document Number | 0000049001 |
|---|---|
| Date | Dec 1, 2023 |
| Instrument | 2023R-049001 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2053 |
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $100,359 (-) | $528,207 (-) Land $80,000 Building $448,207 | |
| 2025 | $6,262.00 | $100,359 (+560.26%) | $528,207 (+560.26%) Land $80,000 Building $448,207 |
| 2023 | $15,200 | ||
| 2022 | $80,000 Land $80,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 75 (1979–2015) |
| Claims Outside the SFHA | 1 of 75 |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| Claims by Event |
|
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 | Low lower than 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% 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 | 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 430 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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