84 Sternwheel Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 84 Sternwheel Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,165 sqft · built 1994
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$302,500 (Jul 2023)
Tax Bill	$5,319 (2025)
Deeds & Mortgages	Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A953000326`

Property Details

APN / Parcel Number

Primary APN	`A953000326`
Alternative APN	`3-157C-7053-00-0189.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,165 sqft Living Area
Gross Area	3,721 sqft
1st Floor Area	1,180 sqft
Basement Area	1,156 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	124 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A953000326
Street Address	84 STERNWHEEL CT
City	SAINT CHARLES
State	MO
Zip	63304-1039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTICELLO EST #3 LOT 189
Legal Subdivision	MONTICELLO EST #3
Legal Lot Number	189
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1002
Census Tract	311124

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	84 STERNWHEEL CT, SAINT CHARLES, MO 63304-1039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2023 · Amount on Record
Deed Sale	Jul 19, 2023 · Amount on Record
Prior Sale	Jul 19, 2023 · Amount on Record
Deed Document Number	202328800
Prior Transfer Date	Jul 10, 2023
Prior Transfer Doc	0000028800
Record Updated	Oct 29, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jul 19, 2023
Property Address	84 STERNWHEEL CT, SAINT CHARLES, MO 63304-1039
Document Number	0000028799
Map Reference	MB 31 PG 309
Instrument Date	Jul 10, 2023
Instrument	2023R-028799
Transaction Type	Transfer
Record Updated	Aug 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	84 STERNWHEEL CT, SAINT CHARLES, MO 63304-1039

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 STERNWHEEL CT, SAINT CHARLES, MO 63304-1039

Mortgage

Document Number	0000028801
Date	Jul 19, 2023
Instrument	2023R-028801

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$68,165 (-)	$358,763 (-) Land $65,800 Building $292,963
2025	$5,319.00 (+22.78%)	$68,165 (+7.63%)	$358,763 (+7.63%) Land $65,800 Building $292,963
2023		$63,334 (+30.56%)
2022	$4,332.00	$48,510	$333,338 (+30.56%) Land $50,000 Building $283,338
2021			$255,315 Land $40,000 Building $215,315

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

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	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% 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 163 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

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