851 Starlight Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 851 Starlight Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,144 sqft · built 1963
Lot Size	0.506 acres (22,044 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Oct 2022)
Tax Bill	$2,597 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`525660A000`

Property Details

APN / Parcel Number

Primary APN	`525660A000`
Alternative APN	`3-0016-4394-00-0010.0000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	2,668 sqft
1st Floor Area	1,144 sqft
Basement Area	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,044 sqft (0.506 acres)
Lot Dimensions	167 ft deep x 132 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	104 sqft
Deck Area	Deck Area
Patio Area	444 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	525660A000
Street Address	851 STARLIGHT DR
City	SAINT CHARLES
State	MO
Zip	63304-6837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	POPLAR AC #1 LOT 10
Legal Subdivision	POPLAR AC #1
Legal Lot Number	10
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2020
Census Tract	311149

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	2 Individual Names on Record
Mailing Address	851 STARLIGHT DR, SAINT CHARLES, MO 63304-6837
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 24, 2022	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Oct 24, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2022 · Amount on Record
Deed Sale	Oct 24, 2022 · Amount on Record
Prior Sale	Oct 24, 2022 · Amount on Record
Deed Document Number	202257789
Prior Transfer Date	Oct 21, 2022
Prior Transfer Doc	0000057785
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	851 STARLIGHT DR, SAINT CHARLES, MO 63304-6837
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 STARLIGHT DR, SAINT CHARLES, MO 63304-6837

Mortgage

Document Number	0000039693
Date	Sep 27, 2023
Instrument	2023R-039693

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Nov 1, 2052

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 24, 2022
Property Address	851 STARLIGHT DR, SAINT CHARLES, MO 63304-6837
Document Number	0000057789
Map Reference	MB 7 PG 15
Instrument Date	Oct 20, 2022
Instrument	2022R-057789
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	851 STARLIGHT DR, SAINT CHARLES, MO 63304-6837

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 STARLIGHT DR, SAINT CHARLES, MO 63304-6837

Mortgage

Document Number	0000057790
Date	Oct 24, 2022
Instrument	2022R-057790

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

October 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Oct 24, 2022
Property Address	851 STARLIGHT DR, SAINT CHARLES, MO 63304-6837
Document Number	0000057785
Map Reference	MB 7 PG 15
Instrument Date	May 6, 2022
Instrument	2022R-057785
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 STARLIGHT DR, SAINT CHARLES, MO 63304-6837

Tax Assessment & Valuation

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		$43,605 (-)	$229,499 (-) Land $45,000 Building $184,499
2025	$2,597.00	$43,605 (+2.59%)	$229,499 (+2.59%) Land $45,000 Building $184,499
2023		$42,504
2022			$223,705 Land $45,000 Building $178,705

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Aug 2020 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 5 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

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.

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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Starlight Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures