1 Stoneway Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1 Stoneway Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,176 sqft · built 1984
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Feb 2024)
Tax Bill	$3,109 (2025)
Deeds & Mortgages	Feb 2024 Mortgage May 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`451170A049`

Property Details

APN / Parcel Number

Primary APN	`451170A049`
Alternative APN	`3-0161-5650-00-0049.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,176 sqft Living Area
Gross Area	3,364 sqft
1st Floor Area	1,426 sqft
Basement Area	1,410 sqft
Finished Basement	750 sqft
Unfinished Basement	660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	68 sqft
Deck Area	Deck Area
Patio Area	328 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	451170A049
Street Address	1 STONEWAY CT
City	SAINT CHARLES
State	MO
Zip	63303-5171
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	GRAYSTONE #1 LOT 49
Legal Subdivision	GRAYSTONE
Legal Lot Number	49
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	3
Census Block	3018
Census Tract	310902

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1 STONEWAY CT, SAINT CHARLES, MO 63303-5171
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2024	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
May 19, 2017	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU OF BELOIT
Oct 14, 2020	Warranty Deed, Transfer FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2024 · Amount on Record
Deed Sale	Feb 13, 2024 · Amount on Record
Prior Sale	Oct 14, 2020 · Amount on Record
Deed Document Number	20245711
Prior Transfer Date	Jan 14, 2013
Prior Transfer Doc	0059411673
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 13, 2024
Property Address	1 STONEWAY CT, SAINT CHARLES, MO 63303-5171
Document Number	0000005711
Map Reference	MB 23 PG 13
Instrument Date	Feb 9, 2024
Instrument	2024R-005711
Transaction Type	Transfer
Record Updated	Feb 26, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 STONEWAY CT, SAINT CHARLES, MO 63303-5171

Mortgage

Document Number	0000005712
Date	Feb 13, 2024
Instrument	2024R-005712

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1 STONEWAY CT, SAINT CHARLES, MO 63303-5171
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067452104
Date	May 19, 2017
Book Page	6745/2104
Instrument	20170519000306260

Lender

Name	FIRST COMMUNITY CU OF BELOIT
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Apr 29, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 14, 2020
Property Address	1 STONEWAY CT, SAINT CHARLES, MO 63303-5171
Document Number	0000077747
Instrument Date	Oct 13, 2020
Instrument	77747
Transaction Type	Transfer
Record Updated	Jan 29, 2021
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1 STONEWAY CT ST CHARLES MO 633035171, ST CHARLES, MO 63303-5171

Mortgage

Document Number	77748
Date	Oct 14, 2020
Instrument	77748

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2050

Tax Assessment & Valuation

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	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$53,884 (-)	$283,601 (-) Land $50,000 Building $233,601
2025	$3,109.00 (+10.64%)	$53,884 (+14.02%)	$283,601 (+14.02%) Land $50,000 Building $233,601
2024	$2,810.00
2023		$47,259
2022			$248,730 Land $50,000 Building $198,730

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

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 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.

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 289 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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