89 Beringer Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 89 Beringer Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,004 sqft · built 1989
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,500 (May 2017)
Tax Bill	$3,824 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A883001367`

Property Details

APN / Parcel Number

Primary APN	`A883001367`
Alternative APN	`3-0040-6261-00-0245.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,004 sqft Living Area
Gross Area	3,490 sqft
1st Floor Area	1,068 sqft
Basement Area	1,068 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	180 sqft
Deck Area	Deck Area
Patio Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883001367
Street Address	89 BERINGER CT
City	SAINT CHARLES
State	MO
Zip	63304-1408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VINEYARDS #3 LOT 245
Legal Subdivision	VINEYARDS #3
Legal Lot Number	245
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1003
Census Tract	311132

Owner

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	89 BERINGER CT, SAINT CHARLES, MO 63304-1408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 18, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 9, 2017	Warranty Deed, Transfer SECURITY TITLE COMPANY, SECURE TITLE INSURANCE
May 9, 2017	Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2017 · Amount on Record
Deed Sale	May 9, 2017 · Amount on Record
Prior Sale	May 9, 2017
Deed Document Number	2017279820
Deed Book / Page	6740 / 1173
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	89 BERINGER CT, SAINT CHARLES, MO 63304-1408
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 BERINGER CT, SAINT CHARLES, MO 63304-1408

Mortgage

Document Number	2021R016275
Date	Feb 24, 2021
Instrument	2021R-016275

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	317 Months
Due	Jul 1, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	89 BERINGER CT, SAINT CHARLES, MO 63304-1408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072320112
Date	Feb 18, 2020
Book Page	7232/0112
Instrument	20200218000095310

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Jun 1, 2047

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 9, 2017
Property Address	89 BERINGER CT, SAINT CHARLES, MO 63304-1408
Document Number	0067401171
Book / Page	006740 / 001171
Instrument Date	Apr 28, 2017
Instrument	279810
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	SECURITY TITLE COMPANY, SECURE TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	89 BERINGER CT ST CHARLES MO 633041408, ST CHARLES, MO 63304-1408
Investor	Possibly a Property Investor

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 9, 2017
Property Address	89 BERINGER CT, SAINT CHARLES, MO 63304-1408
Document Number	0067401173
Book / Page	006740 / 001173
Instrument Date	Apr 28, 2017
Instrument	279820
Transaction Type	Transfer
Record Updated	Jun 28, 2017
Title Company	US TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	89 BERINGER CT ST CHARLES MO 633041408, ST CHARLES, MO 63304-1408

Mortgage

Document Number	67401175
Date	May 9, 2017
Book Page	006740/001175
Instrument	279830

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2047

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		$64,446 (-)	$339,192 (-) Land $65,000 Building $274,192
2025	$3,824.00	$64,446 (+14.36%)	$339,192 (+14.36%) Land $65,000 Building $274,192
2023		$56,355
2022			$296,604 Land $55,000 Building $241,604

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	26 (1979–2019)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jan 2016 · 5 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 3 claims Severe Storms & Flooding, Sep 1993 · 9 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	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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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