Hey neighbors — if your 2025 property assessment notice from St. Charles County left you a little confused (or frustrated), you’re not alone. Many Dardenne Prairie homeowners are seeing updated values that don’t seem to match what’s really happening in the market. 

Let’s break down how your assessment is calculated, what it impacts (hint: property taxes), and how to take the next step if something seems off. 

Every two years, the County Assessor updates home values based on market data as of January 1st of that assessment year. That value is then used to calculate your assessed value — which becomes the foundation of your property tax bill. 

Here’s the basic formula: 

• Residential: taxed at 19% of market value 

• Agricultural: 12% 

• Commercial: 32% 

So for example, if your home is valued at $500,000, the assessed value is: 

19% of $500,000 = $95,000 

Your property tax bill comes from several sources: the city, the school district, fire district, and more. Each has its own rate. 

For Dardenne Prairie in 2025: 

• City rate = $0.1054 per $100 of assessed value 
  So if your assessed value is $95,000: 

• Divide by 100 = 950 

• Multiply by $0.1054 = $100.13 owed to the city 

That’s just one piece of your overall tax bill — but understanding it helps you see where your money goes. 

It’s important to remember: your assessment is not your current market value. It’s a snapshot from January 1st, 2025 — and home prices may have changed since then. 

If your assessment feels higher (or lower) than what you’d expect, it doesn’t always mean something is wrong — but it’s worth reviewing. Inaccuracies in property details, recent renovations, or market changes can all lead to discrepancies. 

Even if the formal appeal window has passed, you can still: 

• Review your assessment for errors (square footage, bedroom count, etc.) 

• Reach out to the Assessor’s Office with questions or clarifications 

• Prepare early for future appeal windows or reassessments 

📞 St. Charles County Assessor’s Office: https://www.sccmo.org/Assessor 

I also recommend saving your assessment notice for your records — it comes in handy during tax prep and future refinancing or sales. 

If you’re wondering whether your assessed value matches today’s market, I’m happy to run a free Comparative Market Analysis (CMA) for you. 

It’s quick, personalized, and gives you insight into what homes like yours are actually selling for right now in Dardenne Prairie. Whether you’re prepping for a future appeal or just want peace of mind, I’ve got you covered. 

Every homeowner deserves to understand their tax bill — and feel confident it’s accurate. Whether you just want clarity or you're already planning your next steps, I’m here to help. 

👉 See Dardenne Prairie listings 
👉 Contact me

📲 Call/Text: 314-307-3968 
💌 Email: julie@homeswithjulie.com 
🌐 Website: www.HomesWithJulie.com