St. Charles County property record for 1 Lake Forest Ct E, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 5,498 sqft · built 1992 |
| Lot Size | 2.56 acres (111,514 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $521,300 (Apr 2012) |
| Tax Bill | $11,694 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Apr 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 086540A001 |
| Primary APN | 086540A001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 5,498 sqft Living Area |
| Gross Area | 10,774 sqft |
| 1st Floor Area | 5,498 sqft |
| Basement Area | 4,426 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 111,514 sqft (2.56 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 850 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 44 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 086540A001 |
|---|---|
| Street Address | 1 LAKE FOREST CT E |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE0 |
| Legal Description | LAKE FOREST LOT 1 |
| Legal Subdivision | LAKE FOREST |
| Legal Lot Number | 1 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 310602 |
1 Lake Forest Ct E is owned and occupied by two individuals who acquired it in July 2013.
Source: St. Charles County records, as of August 13, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1 LAKE FOREST CT E, SAINT CHARLES, MO 63301-4539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2022 | Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST |
| Apr 21, 2017 | Loan Modification, Mortgage · Line of Credit STIFEL BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2012 · Amount on File |
| Deed Sale | Apr 20, 2012 · Amount on File |
| Prior Sale | Dec 13, 2000 · Amount on File |
| Deed Document Number | 2012292510 |
| Deed Book / Page | 5764 / 1087 |
| Last Transfer Date | Jul 12, 2013 |
| Transfer Doc | 0060601050 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1 LAKE FOREST CT E, SAINT CHARLES, MO 63301-4539 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1 LAKE FOREST CT E, SAINT CHARLES, MO 63301-4539 |
| Document Number | 0000048027 |
|---|---|
| Date | Aug 30, 2022 |
| Instrument | 2022R-048027 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1 LAKE FOREST CT E, SAINT CHARLES, MO 63301-4539 |
| Document Number | 0067410908 |
| Book / Page | 006741 / 000908 |
| Instrument Date | Apr 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 1 LAKE FOREST CT E ST CHARLES MO 633014539, ST CHARLES, MO 63301-4539 |
| Document Number | 0067410908 |
|---|---|
| Date | May 10, 2017 |
| Book Page | 006741/000908 |
| Instrument | 284610 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Line of Credit |
|---|---|
| Term | 60 Months |
| Due | May 9, 2022 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1 Lake Forest Ct E was $11,694, down 5.1% from the year before.
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,694.00 (-5.1%) | $187,862 | $988,744 Land $93,331 Building $895,413 |
| 2024 | $12,323.00 | ||
| 2023 | $193,374 | ||
| 2022 | $1,017,758 Land $86,664 Building $931,094 |
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.
FEMA maps place 1 Lake Forest Ct E in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 71 (1979–2022) |
| Claims Outside the SFHA | 11 of 71 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 1 Lake Forest Ct E 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 256 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: i3 Broadband.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures