St. Charles County property record for 965 Vine St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,267 sqft · built 1974 |
| Lot Size | 0.158 acres (6,862 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Mar 2004) |
| Tax Bill | $2,348 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 077640A002 |
| Primary APN | 077640A002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,267 sqft Living Area |
| Gross Area | 1,848 sqft |
| 1st Floor Area | 792 sqft |
| Basement Area | 792 sqft |
| Finished Basement | 475 sqft |
| Unfinished Basement | 317 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,862 sqft (0.158 acres) |
| Lot Dimensions | 94 ft deep x 73 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 309 sqft |
| Deck Area | Deck Area |
| Patio Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 077640A002 |
|---|---|
| Street Address | 965 VINE ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1974 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | PRAIRIE HAUTE COMMON FIELDS |
| Legal Subdivision | PRAIRIE HAUTE COMMON FLDS |
| Legal Lot Number | 5 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 310302 |
965 Vine St is owned by two individuals who bought it in March 2004.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 EAU CLAIRE DR, SAINT CHARLES, MO 63301-1682 |
| 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 | Mar 24, 2004 · Amount on File |
| Deed Sale | Mar 24, 2004 · Amount on File |
| Prior Sale | Apr 25, 2000 · Amount on File |
| Deed Document Number | 2004257950 |
| Deed Book / Page | 3814 / 834 |
| Prior Transfer Date | Jan 15, 2004 |
| Prior Transfer Doc | 0038140834 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 965 Vine St was $2,348, up 7.1% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $37,317 (-) | $196,405 (-) Land $50,000 Building $146,405 | |
| 2025 | $2,348.00 (+7.12%) | $37,317 | $196,405 Land $50,000 Building $146,405 |
| 2024 | $2,192.00 | ||
| 2023 | $33,976 | ||
| 2022 | $178,823 Land $40,000 Building $138,823 |
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 965 Vine St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 63 (1979–2022) |
| Claims Outside the SFHA | 3 of 63 |
| 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 965 Vine St 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 670 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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