8 Valley Rd, Saint Charles, MO 63303 Property Records

St. Charles County property record for 8 Valley Rd, Saint Charles, MO 63303

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,300 sqft · built 1960
Lot Size	0.276 acres (12,040 sqft)
Owner	Company Name on Record
Last Sale	$121,604 (Jun 2022)
Tax Bill	$1,590 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Mar 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`428460A000`

Property Details

APN / Parcel Number

Primary APN	`428460A000`
Alternative APN	`3-002C-4426-00-0008.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Duplex Single
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,040 sqft (0.276 acres)
Lot Dimensions	172 ft deep x 70 ft wide
Porch	Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	428460A000
Street Address	8 VALLEY RD
City	SAINT CHARLES
State	MO
Zip	63303-4037
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AF0
Legal Description	SPRINGDALE PL LOT 8
Legal Subdivision	SPRINGDALE PL
Legal Lot Number	8
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	4
Census Block	4021
Census Tract	311004

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 Record	Company Name on Record
Mailing Address	2 PRAIRIE HAUTE DR, SAINT CHARLES, MO 63301-1677
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Quit Claim Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Mar 1, 2018	Warranty Deed, Transfer · Line of Credit CARROLLTON BANK
Jan 3, 2018	Warranty Deed, Transfer JODY A & CHRISTOPHER S KENNEDY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2022 · Amount on Record
Deed Sale	Jun 15, 2022 · Amount on Record
Prior Sale	Mar 1, 2018 · Amount on Record
Deed Document Number	202233479
Prior Transfer Date	Jun 14, 2022
Prior Transfer Doc	0000033479
Record Updated	Oct 29, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 15, 2022
Property Address	8 VALLEY RD, SAINT CHARLES, MO 63303-4037
Document Number	0000033479
Map Reference	MB 5 PG 38
Instrument Date	Jun 14, 2022
Instrument	2022R-033479
Transaction Type	Transfer
Record Updated	Jun 29, 2022
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 WESTRIDGE DR, 323, O FALLON, MO 63366-7407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 WESTRIDGE DR, O FALLON, MO 63366-7407

Mortgage

Document Number	0000033481
Date	Jun 15, 2022
Instrument	2022R-033481

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.62%
Index	Other
Margin	3
Max Rate	9.62%

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 1, 2018
Property Address	8 VALLEY RD, SAINT CHARLES, MO 63303-4037
Document Number	0068850430
Book / Page	6885 / 0430
Map Reference	MB 5 PG 38
Instrument Date	Feb 26, 2018
Instrument	20180301000108620
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 MAIN ST, 100, SAINT PETERS, MO 63376-3916

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 N 3RD ST, SAINT CHARLES, MO 63301-2812

Mortgage

Document Number	20180301000108630
Date	Mar 1, 2018
Instrument	20180301000108630

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 3, 2018
Property Address	8 VALLEY RD, SAINT CHARLES, MO 63303-4037
Document Number	0068621156
Book / Page	006862 / 001156
Instrument Date	Jan 2, 2018
Instrument	5370
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	100 MAIN ST ST PETERS MO 633763916, ST PETERS, MO 63376-3916

Mortgage

Document Number	68621158
Date	Jan 3, 2018
Book Page	006862/001158
Instrument	5380

Lender

Name	JODY A & CHRISTOPHER S KENNEDY
Address	22997 ARLO FARMS RD, WARRENTON, MO 63383-6084

Agreement

Amount	Amount Recorded

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	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$26,010 (-)	$136,899 (-) Land $63,000 Building $73,899
2025	$1,590.00	$26,010 (+9.18%)	$136,899 (+9.19%) Land $63,000 Building $73,899
2023		$23,822
2022			$125,380 Land $63,000 Building $62,380

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 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 435 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 Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Brightspeed, Wisper ISP.

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