7103 Ell Rd, Saint Charles, MO 63301 Property Records

St. Charles County property record for 7103 Ell Rd, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,062 sqft · built 1918
Lot Size	2.4 acres (104,544 sqft)
Owner	Company Name on Record
Tax Bill	$3,099 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2017 Loan Modification + 1 more
Flood Zone	Zone AE (high risk)
APN	`861540A000`

Property Details

APN / Parcel Number

Primary APN	`861540A000`
Alternative APN	`5-092A-3334-00-0004.0000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,062 sqft Living Area
Gross Area	2,650 sqft
1st Floor Area	1,278 sqft
Basement Area	392 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Bi-Level
Exterior Material	Metal
Roof Type	Hip
Roof Material	Asphalt
Lot Area	104,544 sqft
Garage Type	Attached
Garage Area	196 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	732 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	861540A000
Street Address	7103 ELL RD
City	SAINT CHARLES
State	MO
Zip	63301-6510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA9
Legal Description	PORTAGE COMMON FIELD LOT 28
Legal Subdivision	PORTAGE DES SIOUX COMMONS
Legal Lot Number	28
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2049
Census Tract	310100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	220 SALT LICK RD, SAINT PETERS, MO 63376-1146
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Jul 21, 2017	Loan Modification, Mortgage · FHA Mortgage PENNYMAC
Jun 15, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2024
Deed Sale	Jul 17, 2024
Prior Sale	Jul 17, 2024
Deed Document Number	202428202
Prior Transfer Date	Jul 15, 2024
Prior Transfer Doc	0000028201
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	7103 ELL RD, SAINT CHARLES, MO 63301-6510
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7103 ELL RD, SAINT CHARLES, MO 63301-6510

Mortgage

Document Number	2021R030192
Date	Apr 6, 2021
Instrument	2021R-030192

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2051

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	7103 ELL RD, SAINT CHARLES, MO 63301-6510
Document Number	0067820139
Instrument Date	Jul 21, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7103 ELL RD ST CHARLES MO 633016510, ST CHARLES, MO 63301-6510

Mortgage

Document Number	0067820139
Date	Jul 28, 2017
Book Page	006782/000139
Instrument	467990

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2047

Interest

Rate Type	Fixed Rate
Rate	4.37%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	7103 ELL RD, SAINT CHARLES, MO 63301-6510
Document Number	0067800127
Instrument Date	Jun 15, 2017
Transaction Type	Mortgage
Record Updated	Jul 31, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7103 ELL RD ST CHARLES MO 633016510, ST CHARLES, MO 63301-6510

Mortgage

Document Number	0067800127
Date	Jul 25, 2017
Book Page	006780/000127
Instrument	459550

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2047

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	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$43,156 (-)	$227,137 (-) Land $24,000 Building $203,137
2025	$3,099.00 (-0.93%)	$43,156 (+2.36%)	$227,137 (+2.36%) Land $24,000 Building $203,137
2024	$3,128.00
2023		$42,161
2022			$221,901 Land $24,000 Building $197,901

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 113 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	113 in force
Nearby Flood Claims	921 (1978–2026)
Claims Outside the SFHA	15 of 921
Most Recent Claim	May 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 Risk	Not rated no burnable land within 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Brown Dog Networks Fixed Wireless	50 / 10

May also be available: AT&T, Wisper ISP.

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