St. Charles County property record for 94 James River Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,558 sqft · built 1994 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (Aug 2005) |
| Tax Bill | $4,655 (2025) |
| Deeds & Mortgages | Aug 2018 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A953000321 |
| Primary APN | A953000321 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,558 sqft Living Area |
| Gross Area | 4,479 sqft |
| 1st Floor Area | 1,394 sqft |
| Basement Area | 1,216 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Attached |
| Garage Area | 705 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 150 sqft |
| Patio Area | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953000321 |
|---|---|
| Street Address | 94 JAMES RIVER CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MONTICELLO EST #3 LOT 184 |
| Legal Subdivision | MONTICELLO EST #3 |
| Legal Lot Number | 184 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 311124 |
94 James River Ct is owned and occupied by two individuals who bought it in August 2005.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 94 JAMES RIVER CT, SAINT CHARLES, MO 63304-1041 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2005 · Amount on File |
| Deed Sale | Aug 11, 2005 · Amount on File |
| Prior Sale | May 2, 2000 · Amount on File |
| Deed Document Number | 2005746340 |
| Deed Book / Page | 4258 / 256 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 94 JAMES RIVER CT, SAINT CHARLES, MO 63304-1041 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0069690331 |
|---|---|
| Date | Aug 28, 2018 |
| Book Page | 6969/0331 |
| Instrument | 20180828000492890 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 27, 2048 |
The 2025 property tax bill for 94 James River Ct was $4,655.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $73,082 (-) | $384,640 (-) Land $65,800 Building $318,840 | |
| 2025 | $4,655.00 | $73,082 | $384,640 Land $65,800 Building $318,840 |
| 2023 | $69,666 | ||
| 2022 | $366,664 Land $50,000 Building $316,664 |
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.
FEMA maps place 94 James River Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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 | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2013 · rainfall accumulation |
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 94 James River Ct 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 COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530 |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Also Mapped Here | MO AMERICAN ST LOUIS ST CHARLES COUNTIES |
| Lead | 2 ppb (2026) 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 423 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: i3 Broadband, Wisper ISP.
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