923 Haversham Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 923 Haversham Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,700 sqft · built 1987
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$43,500 (Aug 2021)
Tax Bill	$3,832 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A870003609`

Property Details

APN / Parcel Number

Primary APN	`A870003609`
Alternative APN	`3-0036-6141-00-0025.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,700 sqft Living Area
Gross Area	3,420 sqft
1st Floor Area	1,140 sqft
Basement Area	1,060 sqft
Finished Basement	780 sqft
Unfinished Basement	280 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Bi-Level
Exterior Material	Masonry Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	75 sqft
Deck Area	Deck Area
Patio Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870003609
Street Address	923 HAVERSHAM DR
City	SAINT CHARLES
State	MO
Zip	63304-1622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARVEST EST #2 LOT 25
Legal Subdivision	HARVEST EST #2
Legal Lot Number	25
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2000
Census Tract	311122

Owner

Source: St. Charles County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	923 HAVERSHAM DR, SAINT CHARLES, MO 63304-1622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage COMMERCE BANK
Oct 4, 2019	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Apr 6, 2020	Deed of Trust, Mortgage STIFEL BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2021 · Amount on Record
Deed Sale	Aug 25, 2021 · Amount on Record
Prior Sale	Oct 17, 2006 · Amount on Record
Deed Document Number	202171403
Prior Transfer Date	Mar 11, 2021
Prior Transfer Doc	2021R071403
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 25, 2021
Property Address	923 HAVERSHAM DR, SAINT CHARLES, MO 63304-1622
Document Number	2021R071403
Map Reference	MB 26 PG 73
Instrument Date	Mar 11, 2021
Instrument	2021R-071403
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 HAVERSHAM DR, SAINT CHARLES, MO 63304-1622

Mortgage

Document Number	2021R071404
Date	Aug 25, 2021
Instrument	2021R-071404

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Apr 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	923 HAVERSHAM DR, SAINT CHARLES, MO 63304-1622
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071561021
Date	Oct 4, 2019
Book Page	7156/1021
Instrument	20191004000552980

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Sep 28, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	923 HAVERSHAM DR, SAINT CHARLES, MO 63304-1622
Document Number	0072710296
Instrument Date	Apr 6, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	923 HAVERSHAM DR ST CHARLES MO 633041622, ST CHARLES, MO 63304-1622

Mortgage

Document Number	0072710296
Date	Apr 16, 2020
Book Page	007271/000296
Instrument	235290

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Apr 15, 2040

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		$64,580 (-)	$339,894 (-) Land $60,000 Building $279,894
2025	$3,832.00 (+6.65%)	$64,580 (+7.39%)	$339,894 (+7.39%) Land $60,000 Building $279,894
2024	$3,593.00
2023		$60,134
2022			$316,497 Land $60,000 Building $256,497

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearby Flood Claims	16 (1981–2020)
Claims Outside the SFHA	1 of 16
Most Recent Claim	Aug 2020 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Aug 1993 · 6 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 94% of the US · lower than 92% of Missouri
Wildfire Likelihood	0.02% 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 366 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

May also be available: Wisper ISP.

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