804 Palm Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 804 Palm Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,058 sqft · built 1966
Lot Size	0.241 acres (10,480 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Oct 2021)
Tax Bill	$4,719 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`952200A000`

Property Details

APN / Parcel Number

Primary APN	`952200A000`
Alternative APN	`5-0080-4022-00-0059.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,058 sqft Living Area
Gross Area	5,247 sqft
1st Floor Area	2,319 sqft
Basement Area	2,319 sqft
Finished Basement	1,739 sqft
Unfinished Basement	580 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,480 sqft (0.241 acres)
Lot Dimensions	131 ft deep x 80 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	75 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	952200A000
Street Address	804 PALM DR
City	SAINT CHARLES
State	MO
Zip	63301-0146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	MAMELLES HILLS #2 LOT 59
Legal Subdivision	MAMELLES HILLS #2
Legal Lot Number	59
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2004
Census Tract	310202

Owner

804 Palm Dr is owned and occupied by two individuals who bought it in October 2021.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	804 PALM DR, SAINT CHARLES, MO 63301-0146
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 13, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 16, 2018	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2021 · Amount on File
Deed Sale	Oct 13, 2021 · Amount on File
Prior Sale	May 16, 2018 · Amount on File
Deed Document Number	202184868
Prior Transfer Date	Apr 4, 2013
Prior Transfer Doc	0059961314
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 13, 2021
Property Address	804 PALM DR, SAINT CHARLES, MO 63301-0146
Document Number	2021R084868
Map Reference	MB 9 PG 35
Instrument Date	Oct 7, 2021
Instrument	2021R-084868
Transaction Type	Transfer
Record Updated	Oct 28, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 ARSENAULT XING, 104, KINGSTON, TN 37763-7133

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 PALM DR, SAINT CHARLES, MO 63301-0146

Mortgage

Document Number	2021R084869
Date	Oct 13, 2021
Instrument	2021R-084869

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 16, 2018
Property Address	804 PALM DR, SAINT CHARLES, MO 63301-0146
Document Number	0069200372
Book / Page	6920 / 0372
Map Reference	MB 9 PG 35
Instrument Date	May 15, 2018
Instrument	20180516000271750
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE CORPORATION AND OR

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	627 RIVERS EDGE DR, 627, SAINT CHARLES, MO 63303-3891

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	804 PALM DR, SAINT CHARLES, MO 63301-0146

Mortgage

Document Number	20180516000271760
Date	May 16, 2018
Instrument	20180516000271760

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 804 Palm Dr was $4,719, up 9.4% 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	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$69,819 (-)	$367,467 (-) Land $60,000 Building $307,467
2025	$4,719.00 (+9.41%)	$69,819	$367,467 Land $60,000 Building $307,467
2024	$4,313.00
2023		$62,006
2022			$326,349 Land $40,000 Building $286,349

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 804 Palm Dr in Zone X, an area of minimal flood risk, though there have been 151 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
Flood Insurance Cost	Premium on File median of 25 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	151 (1979–2022)
Claims Outside the SFHA	8 of 151
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms, Flooding, And A Tornado, Sep 2008 · 4 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 7 claims Severe Storms & Flooding, Aug 1993 · 66 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

The area around 804 Palm Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 475 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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