920 Clarence Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 920 Clarence Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,772 sqft · built 1987
Lot Size	0.281 acres (12,250 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Apr 2022)
Tax Bill	$3,779 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jul 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`806512A000`

Property Details

APN / Parcel Number

Primary APN	`806512A000`
Alternative APN	`5-0080-4546-00-0235.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,772 sqft Living Area
Gross Area	4,332 sqft
1st Floor Area	1,772 sqft
Basement Area	1,760 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,250 sqft (0.281 acres)
Lot Dimensions	125 ft deep x 98 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	800 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	806512A000
Street Address	920 CLARENCE DR
City	SAINT CHARLES
State	MO
Zip	63301-0147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	MAMELLE HILLS #6 LOT 235
Legal Subdivision	MAMELLES HILLS #6
Legal Lot Number	235
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1020
Census Tract	310202

Owner

920 Clarence Dr is owned and occupied by an individual who acquired it in July 2022.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	920 CLARENCE DR, SAINT CHARLES, MO 63301-0147
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Jul 28, 2022	Beneficiary Deed, Transfer
Apr 29, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2022 · Amount on File
Deed Sale	Apr 29, 2022 · Amount on File
Prior Sale	Jan 25, 2013 · Amount on File
Deed Document Number	202224556
Last Transfer Date	Jul 28, 2022
Transfer Doc	0000042110
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	920 CLARENCE DR, SAINT CHARLES, MO 63301-0147
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 CLARENCE DR, SAINT CHARLES, MO 63301-0147

Mortgage

Document Number	0000052731
Date	Sep 26, 2022
Instrument	2022R-052731

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 7, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 28, 2022
Property Address	920 CLARENCE DR, SAINT CHARLES, MO 63301-0147
Document Number	0000042110
Map Reference	MB 13 PG 41
Instrument Date	Jul 28, 2022
Instrument	2022R-042110
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
Relationship	Revocable Trust
Address	920 CLARENCE DR, SAINT CHARLES, MO 63301-0147

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 29, 2022
Property Address	920 CLARENCE DR, SAINT CHARLES, MO 63301-0147
Document Number	0000024556
Map Reference	MB 13 PG 41
Instrument Date	Apr 28, 2022
Instrument	2022R-024556
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	920 CLARENCE DR, SAINT CHARLES, MO 63301-0147

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 CLARENCE DR, SAINT CHARLES, MO 63301-0147

Mortgage

Document Number	0000024557
Date	Apr 29, 2022
Instrument	2022R-024557

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 920 Clarence Dr was $3,779, up 7.8% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$57,837 (-)	$304,406 (-) Land $60,000 Building $244,406
2025	$3,779.00 (+7.76%)	$57,837	$304,406 Land $60,000 Building $244,406
2024	$3,507.00
2023		$52,176
2022			$274,609 Land $40,000 Building $234,609

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

FEMA maps place 920 Clarence 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	Severe Storms And Flooding, Jul 2022 · 2 claims Severe Storms & Flooding, Aug 1993 · 26 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

The area around 920 Clarence 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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