80 Sternwheel Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 80 Sternwheel Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,341 sqft · built 1994
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Dec 2019)
Tax Bill	$4,706 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A953000328`

Property Details

APN / Parcel Number

Primary APN	`A953000328`
Alternative APN	`3-157C-7053-00-0191.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,341 sqft Living Area
1st Floor Area	1,288 sqft
Basement Area	1,213 sqft
Finished Basement	1,053 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Other
Exterior Material	Composition/Composite
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	96 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	180 sqft
Patio Area	458 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A953000328
Old Parcel Number	A953000328
Street Address	80 STERNWHEEL CT
City	SAINT CHARLES
State	MO
Zip	63304-1039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTICELLO EST #3 LOT 191
Legal Range	03E
Legal Township	46N
Legal Subdivision	MONTICELLO EST #3
Legal Lot Number	191
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1002
Census Tract	311124

Owner

80 Sternwheel Ct is owned and occupied by two individuals who bought it in December 2019.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	80 STERNWHEEL CT, SAINT CHARLES, MO 63304-1039
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
Oct 19, 2020	Deed of Trust, Mortgage FIRST ST BK/ST CHARLES
Dec 4, 2019	Warranty Deed, Transfer FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2019 · Amount on File
Deed Sale	Dec 4, 2019 · Amount on File
Prior Sale	Mar 27, 2003
Deed Document Number	0007193689
Deed Book / Page	7193 / 689
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	80 STERNWHEEL CT, SAINT CHARLES, MO 63304-1039
Document Number	0000083134
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	80 STERNWHEEL CT ST CHARLES MO 633041039, ST CHARLES, MO 63304-1039

Mortgage

Document Number	0000083134
Date	Oct 29, 2020
Instrument	83134

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 4, 2019
Property Address	80 STERNWHEEL CT, SAINT CHARLES, MO 63304-1039
Document Number	0071930689
Book / Page	007193 / 000689
Instrument Date	Nov 27, 2019
Instrument	695480
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	OTHER

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	80 STERNWHEEL CT ST CHARLES MO 633041039, ST CHARLES, MO 63304-1039

Mortgage

Document Number	71930691
Date	Dec 4, 2019
Book Page	007193/000691
Instrument	695490

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 80 Sternwheel Ct was $4,706.

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,706.00	$73,879	$388,838 Land $65,800 Building $323,038
2023		$66,281 (+25.88%)
2022	$3,652.00	$52,655	$348,845 (+25.88%) Land $50,000 Building $298,845
2021			$277,132 Land $40,000 Building $237,132

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 80 Sternwheel Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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 Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · rainfall accumulation

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 80 Sternwheel 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 99.1% of the US · lower than 98.2% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) 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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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