St. Charles County property record for 830 Ridgetop Cir, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,165 sqft · built 1986 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Trust Name on File |
| Last Sale | $164,800 (May 1999) |
| Tax Bill | $3,563 (2024) |
| Deeds & Mortgages | Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | A860003394 |
| Primary APN | A860003394 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,165 sqft Living Area |
| Gross Area | 3,762 sqft |
| 1st Floor Area | 1,173 sqft |
| Basement Area | 1,137 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| 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 | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A860003394 |
|---|---|
| Street Address | 830 RIDGETOP CIR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-4515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WELLINGTON FARM #1 LOT 30 |
| Legal Subdivision | WELLINGTON FARM #1 |
| Legal Lot Number | 30 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 311114 |
830 Ridgetop Cir is owner-occupied and held in a trust since November 2008.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 830 RIDGETOP CIR, SAINT CHARLES, MO 63304-4515 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 1999 · Amount on File |
| Deed Sale | May 10, 1999 · Amount on File |
| Deed Document Number | 199940123 |
| Deed Book / Page | 2248 / 802 |
| Last Transfer Date | Nov 20, 2008 |
| Transfer Doc | 0050802235 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 830 RIDGETOP CIR, SAINT CHARLES, MO 63304-4515 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 0070951075 |
|---|---|
| Date | Jun 26, 2019 |
| Book Page | 7095/1075 |
| Instrument | 20190626000317380 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 178 Months |
| Due | Apr 1, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $62,798 (-) | $330,516 (-) Land $77,777 Building $252,739 | |
| 2025 | $62,798 | $330,516 Land $77,777 Building $252,739 | |
| 2024 | $3,563.00 | ||
| 2023 | $59,632 | ||
| 2022 | $313,851 Land $61,110 Building $252,741 |
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.
FEMA maps place 830 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.
The area around 830 Ridgetop Cir 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 324 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 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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