993 Chestnut Oak Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 993 Chestnut Oak Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,603 sqft · built 1994
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,623 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A956000093`

Property Details

APN / Parcel Number

Primary APN	`A956000093`
Alternative APN	`6-0022-7054-00-0093.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,603 sqft Living Area
Gross Area	3,958 sqft
1st Floor Area	1,803 sqft
Basement Area	1,735 sqft
Finished Basement	800 sqft
Unfinished Basement	935 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	98 sqft
Deck Area	Deck Area
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A956000093
Street Address	993 CHESTNUT OAK DR
City	SAINT CHARLES
State	MO
Zip	63303-4194
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN OAKS LOT 93
Legal Subdivision	HIDDEN OAKS
Legal Lot Number	93
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1020
Census Tract	311003

Owner

Source: St. Charles County assessment roll, APN A956000093, as of August 7, 2026 · Last verified August 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	993 CHESTNUT OAK DR, SAINT CHARLES, MO 63303-4194
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	993 CHESTNUT OAK DR, SAINT CHARLES, MO 63303-4194
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	993 CHESTNUT OAK DR, SAINT CHARLES, MO 63303-4194

Mortgage

Document Number	0000015614
Date	Apr 26, 2023
Instrument	2023R-015614

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 15, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County assessment roll as of August 7, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

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
2026		$73,956 (-)	$389,241 (-) Land $65,000 Building $324,241
2025	$4,623.00	$73,956 (+7.9%)	$389,241 (+7.9%) Land $65,000 Building $324,241
2023		$68,542
2022			$360,749 Land $50,000 Building $310,749

Flood & Wildfire

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 291833110031, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	9 (2003–2022)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Flooding, Jun 2011 · 3 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 2 claims

Wildfire

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 519 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MO6010707, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST CHARLES PWS serves 78,961 people
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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 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.