978 Haversham Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 978 Haversham Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,789 sqft · built 1992
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Aug 2017)
Tax Bill	$4,171 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A913000528`

Property Details

APN / Parcel Number

Primary APN	`A913000528`
Alternative APN	`3-0036-6661-00-0056.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,789 sqft Living Area
Gross Area	3,460 sqft
1st Floor Area	1,032 sqft
Basement Area	1,004 sqft
Finished Basement	753 sqft
Unfinished Basement	251 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	168 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A913000528
Street Address	978 HAVERSHAM DR
City	SAINT CHARLES
State	MO
Zip	63304-1644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK BURL EST #2 LOT 56
Legal Subdivision	OAK BURL EST #2
Legal Lot Number	56
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2006
Census Tract	311122

Owner

978 Haversham Dr is owned and occupied by two individuals who bought it in August 2017.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	978 HAVERSHAM DR, SAINT CHARLES, MO 63304-1644
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	Aug 7, 2017 · Amount on File
Deed Sale	Aug 7, 2017 · Amount on File
Prior Sale	Oct 23, 2002 · Amount on File
Deed Document Number	2017494430
Deed Book / Page	6787 / 2261
Prior Transfer Date	Oct 15, 2002
Prior Transfer Doc	0000103927
Record Updated	Oct 29, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 7, 2017
Property Address	978 HAVERSHAM DR, SAINT CHARLES, MO 63304-1644
Document Number	0067872261
Book / Page	6787 / 2261
Map Reference	MB 30 PG 101
Instrument Date	Aug 1, 2017
Instrument	20170807000494430
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2756 BROOK HILL LN, 2756, SAINT CHARLES, MO 63303-5430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 HAVERSHAM DR, SAINT CHARLES, MO 63304-1644

Mortgage

Document Number	20170807000494440
Date	Aug 7, 2017
Instrument	20170807000494440

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 978 Haversham Dr was $4,171.

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		$70,335 (-)	$370,187 (-) Land $60,000 Building $310,187
2025	$4,171.00	$70,335	$370,187 Land $60,000 Building $310,187
2023		$64,116
2022			$337,453 Land $55,000 Building $282,453

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 978 Haversham Dr in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1981.

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

Wildfire risk around 978 Haversham Dr is low, with 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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	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 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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