St. Charles County property record for 7 Independence Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,728 sqft · built 1976 |
| Lot Size | 0.21 acres (9,152 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,500 (Jul 2002) |
| Tax Bill | $4,629 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 450000C011 |
| Primary APN | 450000C011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,728 sqft Living Area |
| Gross Area | 4,532 sqft |
| 1st Floor Area | 1,408 sqft |
| Basement Area | 1,320 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 9,152 sqft (0.21 acres) |
| Lot Dimensions | 176 ft deep x 52 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 838 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 450000C011 |
|---|---|
| Street Address | 7 INDEPENDENCE CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AB8 |
| Legal Description | HERITAGE #10 LOT 259 |
| Legal Subdivision | HERITAGE #10 |
| Legal Lot Number | 259 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 311145 |
7 Independence Ct is owned and occupied by an individual who bought it in July 2002.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7 INDEPENDENCE CT, SAINT CHARLES, MO 63303-6122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 29, 2002 · Amount on File |
| Deed Sale | Jul 29, 2002 · Amount on File |
| Prior Sale | Apr 16, 2002 · Amount on File |
| Deed Document Number | 200269057 |
| Deed Book / Page | 2959 / 1587 |
| Prior Transfer Date | Apr 2, 2001 |
| Prior Transfer Doc | 0000023833 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 7 INDEPENDENCE CT, SAINT CHARLES, MO 63303-6122 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 7 INDEPENDENCE CT, SAINT CHARLES, MO 63303-6122 |
| Document Number | 2021R076818 |
|---|---|
| Date | Sep 14, 2021 |
| Instrument | 2021R-076818 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 7 Independence Ct was $4,629.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $76,670 (-0.66%) | $403,527 (-0.66%) Land $80,000 Building $323,527 | |
| 2025 | $4,629.00 | $77,178 | $406,198 Land $80,000 Building $326,198 |
| 2023 | $70,218 | ||
| 2022 | $369,570 Land $70,000 Building $299,570 |
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.
FEMA maps place 7 Independence Ct in Zone X, an area of minimal flood risk.
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 Policies | 1 in force |
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 risk around 7 Independence Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.6% of Missouri |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 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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