1 Clover Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1 Clover Ln, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,653 sqft · built 1816
Lot Size	1.53 acres (66,647 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Sep 2021)
Tax Bill	$2,488 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`043310A000`

Property Details

APN / Parcel Number

Primary APN	`043310A000`
Alternative APN	`6-0020-4236-00-0001.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,653 sqft Living Area
Gross Area	2,197 sqft
1st Floor Area	1,653 sqft
Basement Area	544 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1816
Effective Year Built	Effective 1816
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	66,647 sqft
Porch	Open Porch
Porch Area	317 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	043310A000
Street Address	1 CLOVER LN
City	SAINT CHARLES
State	MO
Zip	63301-0510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	COUNTRY SIDE AC LOT 1 & PT LOT 2
Legal Subdivision	COUNTRY SIDE AC
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2002
Census Tract	310301

Owner

1 Clover Ln is owned and occupied by two individuals who bought it in September 2021.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1 CLOVER LN, SAINT CHARLES, MO 63301-0510
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	Sep 1, 2021 · Amount on File
Deed Sale	Sep 1, 2021 · Amount on File
Prior Sale	Oct 1, 2013 · Amount on File
Deed Document Number	202173370
Prior Transfer Date	Aug 31, 2021
Prior Transfer Doc	0000073370
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 1, 2021
Property Address	1 CLOVER LN, SAINT CHARLES, MO 63301-0510
Document Number	0000073370
Map Reference	MB 6 PG 50
Instrument Date	Aug 31, 2021
Instrument	2021R-073370
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14061 DELTONA DR, 14061, CHESTERFIELD, MO 63017-3310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CLOVER LN, SAINT CHARLES, MO 63301-0510

Mortgage

Document Number	0000073371
Date	Sep 1, 2021
Instrument	2021R-073371

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1 Clover Ln was $2,488.

Source: St. Charles County assessment roll, as of August 7, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$39,564 (-)	$208,228 (-) Land $75,000 Building $133,228
2025	$2,488.00	$39,564	$208,228 Land $75,000 Building $133,228
2023		$35,764
2022			$188,234 Land $62,500 Building $125,734

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 1 Clover Ln in Zone X, an area of minimal flood risk, though there have been 75 flood claims nearby since 1979.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	75 (1979–2015)
Claims Outside the SFHA	1 of 75
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Flooding, Jun 2011 · 3 claims Severe Storms And Flooding, Jul 2008 · 2 claims Severe Storms & Flooding, Aug 1993 · 25 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 1 Clover Ln 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 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
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, 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 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20