St. Charles County property record for 815 Haversham Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,211 sqft · built 1990 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $423,272 (May 2026) |
| Tax Bill | $3,193 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A870001600 |
| Primary APN | A870001600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,211 sqft Living Area |
| Gross Area | 2,811 sqft |
| 1st Floor Area | 1,211 sqft |
| Basement Area | 1,201 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 44 sqft |
| Deck Area | Deck Area |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870001600 |
|---|---|
| Street Address | 815 HAVERSHAM DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARVEST EST #1 LOT 8 |
| Legal Subdivision | HARVEST EST #1 |
| Legal Lot Number | 8 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 311122 |
Source: St. Charles County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 815 HAVERSHAM DR, SAINT CHARLES, MO 63304-1619 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 2026 · Amount on Record |
| Deed Sale | May 13, 2026 · Amount on Record |
| Deed Document Number | 202622415 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 13, 2026 |
| Property Address | 815 HAVERSHAM DR, SAINT CHARLES, MO 63304-1619 |
| Document Number | 0000022415 |
| Instrument Date | May 1, 2026 |
| Instrument | 202622415 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | FREEDOM TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 815 HAVERSHAM DR, SAINT CHARLES, MO 63304-1619 |
| Document Number | 0000022416, |
|---|---|
| Date | May 13, 2026 |
| Instrument | 202622416 |
| Name | FCB BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,193.00 | $53,732 (+9.67%) | $282,800 (+9.67%) Land $60,000 Building $222,800 |
| 2023 | $48,994 | ||
| 2022 | $257,861 Land $60,000 Building $197,861 |
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.
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 | 16 (1981–2020) |
| Claims Outside the SFHA | 1 of 16 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
| Claims by Event |
|
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.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 214 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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