St. Charles County property record for 85 Rockledge Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,028 sqft · built 1998 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $155,478 (Oct 1998) |
| Tax Bill | $4,500 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A983000712 |
| Primary APN | A983000712 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,028 sqft Living Area |
| Gross Area | 4,432 sqft |
| 1st Floor Area | 2,028 sqft |
| Basement Area | 2,004 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 85 sqft |
| Patio Area | 323 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A983000712 |
|---|---|
| Street Address | 85 ROCKLEDGE CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-7302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | SOMERSET HILLS #3 LOT 148 |
| Legal Subdivision | SOMERSET HILLS #3 |
| Legal Lot Number | 148 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 311148 |
Source: St. Charles County records, as of August 7, 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 | 85 ROCKLEDGE CT, SAINT CHARLES, MO 63303-7302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 24, 2017 | Deed of Trust, Mortgage · ARM US BANK NA |
| May 1, 2020 | Deed of Trust, Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 1998 · Amount on Record |
| Deed Sale | Oct 8, 1998 · Amount on Record |
| Deed Document Number | 199879623 |
| Deed Book / Page | 2141 / 38 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 85 ROCKLEDGE CT, SAINT CHARLES, MO 63303-7302 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0068281287 |
|---|---|
| Date | Oct 24, 2017 |
| Book Page | 6828/1287 |
| Instrument | 20171024000669660 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Nov 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.37% |
| Index | 1-Year CMT |
| Max Rate | 8.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 85 ROCKLEDGE CT, SAINT CHARLES, MO 63303-7302 |
| Document Number | 0073420337 |
| Instrument Date | May 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 85 ROCKLEDGE CT ST CHARLES MO 633037302, ST CHARLES, MO 63303-7302 |
| Document Number | 0073420337 |
|---|---|
| Date | Jul 10, 2020 |
| Book Page | 007342/000337 |
| Instrument | 480000 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 9, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
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 | $75,026 (-) | $394,874 (-) Land $80,000 Building $314,874 | |
| 2025 | $4,500.00 | $75,026 (+9.02%) | $394,874 (+9.02%) Land $80,000 Building $314,874 |
| 2023 | $68,817 | ||
| 2022 | $362,193 Land $60,000 Building $302,193 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 243 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 |
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