802 Ridgetop Cir, Saint Charles, MO 63304 Property Records

St. Charles County property record for 802 Ridgetop Cir, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,303 sqft · built 1987
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$216,000 (Mar 2012)
Tax Bill	$3,899 (2025)
Deeds & Mortgages	Apr 2020 Mortgage May 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`A860003386`

Property Details

APN / Parcel Number

Primary APN	`A860003386`
Alternative APN	`3-157F-5961-00-0022.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,303 sqft Living Area
Gross Area	3,869 sqft
1st Floor Area	1,342 sqft
Basement Area	1,106 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	110 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Solar
Sewer	Connected

Location & Zoning

Account Number	A860003386
Street Address	802 RIDGETOP CIR
City	SAINT CHARLES
State	MO
Zip	63304-4513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WELLINGTON FARM #1 LOT 22
Legal Subdivision	WELLINGTON FARM #1
Legal Lot Number	22
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1005
Census Tract	311114

Owner

802 Ridgetop Cir is owned and occupied by an individual who acquired it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	802 RIDGETOP CIR, SAINT CHARLES, MO 63304-4513
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
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
May 4, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2012 · Amount on File
Deed Sale	Mar 7, 2012 · Amount on File
Prior Sale	Dec 15, 2004 · Amount on File
Deed Document Number	2012165450
Deed Book / Page	5737 / 987
Last Transfer Date	Apr 14, 2020
Transfer Doc	0000282630
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	802 RIDGETOP CIR, SAINT CHARLES, MO 63304-4513
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072701669
Date	Apr 15, 2020
Book Page	7270/1669
Instrument	20200415000233900

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 4, 2020
Property Address	802 RIDGETOP CIR, SAINT CHARLES, MO 63304-4513
Document Number	0072860430
Book / Page	007286 / 000430
Instrument Date	Apr 14, 2020
Instrument	282630
Transaction Type	Transfer
Record Updated	Jul 15, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	802 RIDGETOP CIR ST CHARLES MO 633044513, ST CHARLES, MO 63304-4513

Tax Assessment & Valuation

The 2025 property tax bill for 802 Ridgetop Cir was $3,899, up 7.2% from the year before.

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		$65,714 (-)	$345,863 (-) Land $77,777 Building $268,086
2025	$3,899.00 (+7.17%)	$65,714	$345,863 Land $77,777 Building $268,086
2024	$3,638.00
2023		$60,892
2022			$320,486 Land $61,110 Building $259,376

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 802 Ridgetop Cir in Zone X, an area of minimal flood risk.

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

Wildfire risk around 802 Ridgetop Cir 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 98% of the US · lower than 96% 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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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