St. Charles County property record for 896 Natchez Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,174 sqft · built 1994 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $190 (2025) |
| Deeds & Mortgages | Apr 2018 Line of Credit Oct 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A883001706 |
| Primary APN | A883001706 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,174 sqft Living Area |
| Gross Area | 4,338 sqft |
| 1st Floor Area | 1,376 sqft |
| Basement Area | 1,360 sqft |
| Finished Basement | 680 sqft |
| Unfinished Basement | 680 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 19,166 sqft (0.44 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 166 sqft |
| Patio Area | 864 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A883001706 |
|---|---|
| Street Address | 896 NATCHEZ DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6056 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OLD RIVER EST PT RESUB LOT 12A |
| Legal Subdivision | OLD RIVER EST PT RESUB |
| Legal Lot Number | 12A |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 311145 |
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 | 896 NATCHEZ DR, SAINT CHARLES, MO 63303-6056 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2018 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Oct 31, 2018 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Dec 11, 2020 | Deed of Trust, Mortgage COMMERCE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 6, 2023 |
| Transfer Doc | 0000001299 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 896 NATCHEZ DR, SAINT CHARLES, MO 63303-6056 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0069070709 |
|---|---|
| Date | Apr 19, 2018 |
| Book Page | 6907/0709 |
| Instrument | 20180419000212490 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 13, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 896 NATCHEZ DR, SAINT CHARLES, MO 63303-6056 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE SOURCE INC |
| Name | Verified Name |
|---|---|
| Address | 896 NATCHEZ DR, SAINT CHARLES, MO 63303-6056 |
| Document Number | 0069970987 |
|---|---|
| Date | Oct 31, 2018 |
| Book Page | 6997/0987 |
| Instrument | 20181031000621110 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 896 NATCHEZ DR, SAINT CHARLES, MO 63303-6056 |
| Document Number | 0000101046 |
| Instrument Date | Dec 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 896 NATCHEZ DR ST CHARLES MO 633036056, ST CHARLES, MO 63303-6056 |
| Document Number | 0000101046 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 101046 |
| Name | COMMERCE BK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Dec 21, 2040 |
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 | $84,912 (-) | $446,907 (-) Land $80,000 Building $366,907 | |
| 2025 | $190.00 | $84,912 (+0.99%) | $446,907 (+0.99%) Land $80,000 Building $366,907 |
| 2023 | $84,080 | ||
| 2022 | $442,524 Building $442,524 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 93% 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.
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 378 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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