St. Charles County property record for 912 Palm Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,940 sqft · built 1970 |
| Lot Size | 0.244 acres (10,625 sqft) |
| Owner | 2 Individual Names on File |
| Deeds & Mortgages | Dec 2023 Sale Nov 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 954630A000 |
| Primary APN | 954630A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,940 sqft Living Area |
| Gross Area | 4,452 sqft |
| 1st Floor Area | 1,940 sqft |
| Basement Area | 1,940 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,625 sqft (0.244 acres) |
| Lot Dimensions | 125 ft deep x 85 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 102 sqft |
| Patio Area | 312 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 954630A000 |
|---|---|
| Street Address | 912 PALM DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | MAMELLE HILLS #5 LOT 168 |
| Legal Subdivision | MAMELLES HILLS #5 |
| Legal Lot Number | 168 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 310202 |
912 Palm Dr is owned and occupied by two individuals who acquired it in November 2023.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 912 PALM DR, SAINT CHARLES, MO 63301-0127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 1, 2023 | Beneficiary Deed, Transfer |
| Nov 6, 2023 | Beneficiary Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 30, 2023 |
| Transfer Doc | 0000049015 |
| Record Updated | Sep 20, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 1, 2023 |
| Property Address | 912 PALM DR, SAINT CHARLES, MO 63301-0127 |
| Document Number | 0000049015 |
| Map Reference | MB 12 PG 26 |
| Instrument Date | Nov 30, 2023 |
| Instrument | 2023R-049015 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 912 PALM DR, SAINT CHARLES, MO 63301-0127 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 6, 2023 |
| Property Address | 912 PALM DR, SAINT CHARLES, MO 63301-0127 |
| Document Number | 0000045842 |
| Map Reference | MB 12 PG 26 |
| Instrument Date | Oct 25, 2023 |
| Instrument | 2023R-045842 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 912 PALM DR, SAINT CHARLES, MO 63301-0127 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 912 PALM DR, SAINT CHARLES, MO 63301-0127 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $60,614 | $319,021 Land $60,000 Building $259,021 |
| 2023 | $54,137 | |
| 2022 | $284,931 Land $40,000 Building $244,931 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 912 Palm Dr in Zone X, an area of minimal flood risk, though there have been 37 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File median of 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 37 (1979–2022) |
| Claims Outside the SFHA | 2 of 37 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 912 Palm Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 475 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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