St. Charles County property record for 97 Beringer Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,526 sqft · built 1988 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,920 (Jun 2023) |
| Tax Bill | $3,913 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A883001375 |
| Primary APN | A883001375 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,526 sqft Living Area |
| Gross Area | 3,534 sqft |
| 1st Floor Area | 1,118 sqft |
| Basement Area | 1,008 sqft |
| Finished Basement | 504 sqft |
| Unfinished Basement | 504 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Patio Area | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A883001375 |
|---|---|
| Street Address | 97 BERINGER DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VINEYARDS #3 LOT 253 |
| Legal Subdivision | VINEYARDS #3 |
| Legal Lot Number | 253 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 311132 |
Source: St. Charles County assessment roll, APN A883001375, as of August 13, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 97 BERINGER DR, SAINT CHARLES, MO 63304-1407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jun 04, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Jun 05, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 05, 2023 · Amount on Record |
| Deed Sale | Jun 05, 2023 · Amount on Record |
| Prior Sale | Nov 18, 2015 · Amount on Record |
| Deed Document Number | 202321321 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 04, 2026 |
| Property Address | 97 BERINGER DR, SAINT CHARLES, MO 63304-1407 |
| Document Number | 0000026200 |
| Instrument Date | May 05, 2026 |
| Instrument | 202626200 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 97 BERINGER DR, SAINT CHARLES, MO 63304-1407 |
| Document Number | 0000026200, |
|---|---|
| Date | Jun 04, 2026 |
| Instrument | 202626200 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Nov 01, 2054 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 05, 2023 |
| Property Address | 97 BERINGER DR, SAINT CHARLES, MO 63304-1407 |
| Document Number | 0000021321 |
| Map Reference | MB 27 PG 47 |
| Instrument Date | May 31, 2023 |
| Instrument | 2023R-021321 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 310 LAUREN ESTATES CT, VALLEY PARK, MO 63088-1178 |
| Name | Verified Name |
|---|---|
| Address | 97 BERINGER DR, SAINT CHARLES, MO 63304-1407 |
| Document Number | 0000021322 |
|---|---|
| Date | Jun 05, 2023 |
| Instrument | 2023R-021322 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2053 |
Source: St. Charles County assessment roll as of August 13, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,913.00 | $65,952 (+14.78%) | $347,114 (+14.78%) Land $65,000 Building $282,114 |
| 2023 | $57,461 | ||
| 2022 | $302,427 Land $55,000 Building $247,427 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111321, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 26 (1979–2019) |
| Claims Outside the SFHA | 1 of 26 |
| Most Recent Claim | Jun 2019 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, 164 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T DSL | 100 / 20 |
4G LTE only, no 5G reported
Source: EPA Safe Drinking Water Information System, water system MO6010716, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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