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7032 Ell Rd, Saint Charles, MO 63301 Property Records

St. Charles County property record for 7032 Ell Rd, Saint Charles, MO 63301

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,519 sqft · built 1900
Lot Size4.05 acres (176,418 sqft)
Owner2 Individual Names on Record
Last Sale$335,000 (Aug 2022)
Tax Bill$2,504 (2025)
Deeds & MortgagesFeb 2026 Line of Credit
Aug 2022 Mortgage
Flood ZoneZone AE (high risk)
APN861720A000

Property Details

APN / Parcel Number

Primary APN861720A000
Alternative APN
  • 5-092A-3334-00-0012.2000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,519 sqft Living Area
Gross Area1,999 sqft
1st Floor Area1,519 sqft
Basement Area480 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleMulti-Level
Exterior MaterialSiding
Roof TypeGable
Roof MaterialAsphalt
Lot Area176,418 sqft
PorchOpen Porch
Porch Area72 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number861720A000
Street Address7032 ELL RD
CitySAINT CHARLES
StateMO
Zip63301-6506
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAB6
Legal DescriptionPORTAGE COMMON FIELD PT LOT 42
Legal SubdivisionPORTAGE DES SIOUX COMMONS
Legal Lot Number42
JurisdictionST CHARLES MO
Township / Civil DivisionRIVERS
Census Block Group2
Census Block2053
Census Tract310100

Owner

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 Record2 Individual Names on Record
Mailing Address7032 ELL RD, SAINT CHARLES, MO 63301-6506
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Feb 19, 2026Deed of Trust, Mortgage · Line of Credit
CARROLLTON BANK
Aug 22, 2022Warranty Deed, Transfer · Conventional Mortgage
CARROLLTON BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 22, 2022 · Amount on Record
Deed SaleAug 22, 2022 · Amount on Record
Prior SaleDec 2, 2009 · Amount on Record
Deed Document Number202246246
Prior Transfer DateNov 22, 2005
Prior Transfer Doc0000914920
Record UpdatedOct 29, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address7032 ELL RD, SAINT CHARLES, MO 63301-6506
Transaction TypeMortgage
Record UpdatedMar 5, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address7032 ELL RD, SAINT CHARLES, MO 63301-6506

Mortgage

Document Number0000007723
DateFeb 19, 2026
Instrument2026R-007723
Lender
NameCARROLLTON BANK
TypeBank
AddressCARROLLTON, IL 62016
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueFeb 25, 2031
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateAug 22, 2022
Property Address7032 ELL RD, SAINT CHARLES, MO 63301-6506
Document Number0000046246
Instrument DateAug 19, 2022
Instrument2022R-046246
Transaction TypeTransfer
Record UpdatedJan 17, 2024
Title CompanyNOT AVAILABLE, UST

Transaction

Tax$0.00
Additional
  • Notice of Trustee Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12964 SAINT CHARLES ROCK RD, BRIDGETON, MO 63044-2418

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address7032 ELL RD, SAINT CHARLES, MO 63301-6506

Mortgage

Document Number0000046247
DateAug 22, 2022
Instrument2022R-046247
Lender
NameCARROLLTON BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2052

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$35,849 (-)$188,677 (-) Land $20,250 Building $168,427
2025$2,504.00$35,849 (+2.71%)$188,677 (+2.71%) Land $20,250 Building $168,427
2023$34,903
2022$183,691 Land $20,250 Building $163,441

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood0.01% 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 4 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
Verizon
Fixed Wireless		25 / 6
Wisper ISP
Fixed Wireless		25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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