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Single Family ResidenceResidential
$239,554$204 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $195,000 on Oct 6, 2021

631 RIVERSIDE DR

SAINT CHARLES, MO 63304
3
Beds
2
Baths
1,176 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$240K
$223K low$256K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$195,000 · Oct 6, 2021
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$59,554
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$47,643
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.64%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$156,000
F&B ACQUISITION GROUP LLC · recorded Oct 6, 2021
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$24,000
US BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,833 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$47,044 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$42,185
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$247,601

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyST. CHARLES
Lot (acres)The size of the land the home sits on, from county records.0.25
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 416 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Central Elementary SchoolB
Elementary · Grades KG–5 · 0.8 mi
M
Hollenbeck Middle SchoolB+
Middle · Grades 6–8 · 0.9 mi
H
Francis Howell Central High SchoolB+
High · Grades 9–12 · 2.2 mi

District: Francis Howell R-Iii School District

Neighborhood · ZIP 63304These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.61
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.111

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.46,402
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,137 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$116,292
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$146,266
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

631 Riverside Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 91% of homes in Saint Charles 63304
  • Costs more per square foot than 70% of homes in St. Charles County
  • Smaller than 91% of homes in Saint Charles 63304
  • Older than 91% of homes in Saint Charles 63304

What homes are worth in Saint Charles 63304

Each bar is how many homes fall in that price range. The marker is this home.

This home
$183K$1.1M

This home is worth more than 9% of homes in Saint Charles 63304.

How it measures up in Saint Charles 63304

The dot is this home. The mark in the middle is the typical home in Saint Charles 63304.

Estimated value$239,554
CheaperTypical $391,241Pricier

Pricier than 9% of homes nearby

Price per ft²$204
CheaperTypical $191Pricier

Pricier than 61% of homes nearby

Living area1,176 ft²
SmallerTypical 2,165 ft²Bigger

Bigger than 9% of homes nearby

Lot size0.25 ac
SmallerTypical 0.25 acBigger

Bigger than 53% of homes nearby

Year built1972
OlderTypical 1991Newer

Newer than 9% of homes nearby

How 631 Riverside Dr ranks against every home in each area.
MeasureThis homeSaint Charles 63304St. Charles County
Estimated valuepricier than$239,5549% of homes13% of homes
Price per ft²pricier than$20461% of homes70% of homes
Living areabigger than1,176 ft²9% of homes11% of homes
Lot sizebigger than0.25 ac53% of homes63% of homes
Year builtnewer than19729% of homes15% of homes

About 631 Riverside Dr

How much is 631 Riverside Dr, Saint Charles, MO worth?

The TopHap Estimate for 631 Riverside Dr, Saint Charles, MO is $239,554 as of Jul 14, 2026. The likely range is $223,414 to $255,694. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 631 Riverside Dr, Saint Charles, MO last sell?

631 Riverside Dr, Saint Charles, MO last sold on Oct 6, 2021 for $195,000, according to the county's recorded deed.

How big is 631 Riverside Dr, Saint Charles, MO?

631 Riverside Dr, Saint Charles, MO has 3 bedrooms, 2 bathrooms, 1,176 square feet of living space and a 0.25-acre lot.

When was 631 Riverside Dr, Saint Charles, MO built?

631 Riverside Dr, Saint Charles, MO was built in 1972, making it 54 years old. It is a ranch home. The building has 1 story.

What schools serve 631 Riverside Dr, Saint Charles, MO?

631 Riverside Dr, Saint Charles, MO is assigned to Central Elementary School (elementary), rated B; Hollenbeck Middle School (middle), rated B+; Francis Howell Central High School (high), rated B+. All sit in Francis Howell R-Iii School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 631 Riverside Dr, Saint Charles, MO compare to other homes in Saint Charles 63304?

Among the 15,714 homes in Saint Charles 63304, it is worth more than 9% of them ($239,554 against a typical $391,241), its price per square foot is higher than 61% of them ($204 against a typical $191), it is bigger than 9% of them (1,176 ft² against a typical 2,165 ft²), its lot is bigger than 53% of them (0.25 ac against a typical 0.25 ac) and it is newer than 9% of them (1972 against a typical 1991). Measured against all of St. Charles County, it is worth more than 13% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 631 Riverside Dr, Saint Charles, MO?

The 2025 property tax bill for 631 Riverside Dr, Saint Charles, MO was $2,833. The county assessed it at $47,044.

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