920 Natchez Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 920 Natchez Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,652 sqft · built 1983
Lot Size	0.62 acres (27,030 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Oct 2019)
Tax Bill	$4,972 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`450000I100`

Property Details

APN / Parcel Number

Primary APN	`450000I100`
Alternative APN	`3-0015-5572-00-0445.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,652 sqft Living Area
1st Floor Area	1,448 sqft
Basement Area	1,204 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Architectural Style	Other
Exterior Material	Wood
Lot Area	27,030 sqft
Lot Dimensions	159 ft deep x 170 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	450000I100
Old Parcel Number	450000I100
Street Address	920 NATCHEZ DR
City	SAINT CHARLES
State	MO
Zip	63303-8423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AB8
Legal Description	HERITAGE #22 LOT 445
Legal Range	04E
Legal Township	46N
Legal Subdivision	HERITAGE #22
Legal Lot Number	445
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1015
Census Tract	311145

Owner

920 Natchez Dr is owned and occupied by two individuals who bought it in October 2019.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	920 NATCHEZ DR, SAINT CHARLES, MO 63303-8423
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2019 · Amount on File
Deed Sale	Oct 17, 2019 · Amount on File
Deed Document Number	0071632195
Deed Book / Page	7163 / 2195
Record Updated	Jun 8, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 17, 2019
Property Address	920 NATCHEZ DR, SAINT CHARLES, MO 63303-8423
Document Number	0071632195
Book / Page	007163 / 002195
Instrument Date	Oct 15, 2019
Instrument	583240
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	FREEDOM TITLE

Transaction

Amount	Amount on Record
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	Husband and Wife
Address	920 NATCHEZ DR ST CHARLES MO 633038423, ST CHARLES, MO 63303-8423

Mortgage

Document Number	71632197
Date	Oct 17, 2019
Book Page	007163/002197
Instrument	583250

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 920 Natchez Dr was $4,972.

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$4,972.00	$82,928	$436,461 Land $80,000 Building $356,461
2023		$73,883
2022			$388,858 Land $70,000 Building $318,858

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 Natchez Dr in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 920 Natchez Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 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 353 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20