825 Haversham Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 825 Haversham Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,302 sqft · built 1987
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$273,000 (Dec 2021)
Tax Bill	$3,641 (2025)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A870003596`

Property Details

APN / Parcel Number

Primary APN	`A870003596`
Alternative APN	`3-0036-6141-00-0012.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,302 sqft Living Area
Gross Area	3,408 sqft
1st Floor Area	1,352 sqft
Basement Area	1,352 sqft
Finished Basement	950 sqft
Unfinished Basement	402 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	190 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870003596
Street Address	825 HAVERSHAM DR
City	SAINT CHARLES
State	MO
Zip	63304-1620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARVEST EST #2 LOT 12
Legal Subdivision	HARVEST EST #2
Legal Lot Number	12
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2000
Census Tract	311122

Owner

825 Haversham Dr is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	825 HAVERSHAM DR, SAINT CHARLES, MO 63304-1620
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2021 · Amount on File
Deed Sale	Dec 8, 2021 · Amount on File
Deed Document Number	202199375
Prior Transfer Date	May 20, 2011
Prior Transfer Doc	0055930119
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 8, 2021
Property Address	825 HAVERSHAM DR, SAINT CHARLES, MO 63304-1620
Document Number	0000099375
Map Reference	MB 26 PG 73
Instrument Date	Dec 3, 2021
Instrument	2021R-099375
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1001 MARILYN CT, 1001, WASHINGTON, MO 63090-4915

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 HAVERSHAM DR, SAINT CHARLES, MO 63304-1620

Mortgage

Document Number	0000099376
Date	Dec 8, 2021
Instrument	2021R-099376

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 825 Haversham Dr was $3,641, up 7.7% 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		$61,338 (-)	$322,833 (-) Land $60,000 Building $262,833
2025	$3,641.00 (+7.72%)	$61,338	$322,833 Land $60,000 Building $262,833
2024	$3,380.00
2023		$56,542
2022			$297,590 Land $60,000 Building $237,590

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 825 Haversham Dr in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1981.

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	Severe Storms & Flooding, Aug 1993 · 6 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

Wildfire risk around 825 Haversham Dr is low, with 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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