730 Napa Ln, Saint Charles, MO 63304 Property Records

St. Charles County property record for 730 Napa Ln, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,870 sqft · built 1988
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Apr 2019)
Tax Bill	$4,003 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A870003350`

Property Details

APN / Parcel Number

Primary APN	`A870003350`
Alternative APN	`3-0040-6134-00-0420.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,870 sqft Living Area
Gross Area	3,840 sqft
1st Floor Area	2,042 sqft
Basement Area	1,398 sqft
Finished Basement	828 sqft
Unfinished Basement	570 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Deck Area	Deck Area
Patio Area	464 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A870003350
Street Address	730 NAPA LN
City	SAINT CHARLES
State	MO
Zip	63304-1452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VINEYARDS #2 LOT 420
Legal Subdivision	VINEYARDS #2
Legal Lot Number	420
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1004
Census Tract	311132

Owner

730 Napa Ln is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	730 NAPA LN, SAINT CHARLES, MO 63304-1452
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 16, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2019 · Amount on File
Deed Sale	Apr 16, 2019 · Amount on File
Prior Sale	Aug 13, 2010 · Amount on File
Deed Document Number	2019172160
Deed Book / Page	7059 / 1988
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	730 NAPA LN, SAINT CHARLES, MO 63304-1452
Transaction Type	Mortgage
Record Updated	Aug 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	730 NAPA LN, SAINT CHARLES, MO 63304-1452

Mortgage

Document Number	2021R066198
Date	Aug 6, 2021
Instrument	2021R-066198

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jul 1, 2036

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 16, 2019
Property Address	730 NAPA LN, SAINT CHARLES, MO 63304-1452
Document Number	0070591988
Book / Page	7059 / 1988
Map Reference	MB 26 PG 59
Instrument Date	Apr 15, 2019
Instrument	20190416000172160
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CONTINENTAL TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	730 NAPA LN, SAINT CHARLES, MO 63304-1452

Mortgage

Document Number	20190416000172170
Date	Apr 16, 2019
Instrument	20190416000172170

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 730 Napa Ln was $4,003.

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		$67,471 (-)	$355,113 (-) Land $65,000 Building $290,113
2025	$4,003.00	$67,471	$355,113 Land $65,000 Building $290,113
2023		$59,217
2022			$311,671 Land $55,000 Building $256,671

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

FEMA maps place 730 Napa Ln in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1979.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	26 (1979–2019)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jan 2016 · 5 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 3 claims Severe Storms & Flooding, Sep 1993 · 9 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

Wildfire risk around 730 Napa Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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 377 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: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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