10 Amber Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 10 Amber Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,021 sqft · built 1976
Lot Size	0.172 acres (7,474 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Feb 2025)
Tax Bill	$2,841 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145131A000`

Property Details

APN / Parcel Number

Primary APN	`145131A000`
Alternative APN	`6-0013-5087-00-0042.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,021 sqft Living Area
Gross Area	2,588 sqft
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Finished Basement	957 sqft
Unfinished Basement	107 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,474 sqft (0.172 acres)
Lot Dimensions	101 ft deep x 74 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	145131A000
Street Address	10 AMBER CT
City	SAINT CHARLES
State	MO
Zip	63303-5001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SHADOW WOOD LOT 42
Legal Subdivision	SHADOW WOOD
Legal Lot Number	42
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	3
Census Block	3008
Census Tract	310902

Owner

10 Amber Ct is owned and occupied by an individual who bought it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	10 AMBER CT, SAINT CHARLES, MO 63303-5001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Date	Document
Sep 1, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 4, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jul 23, 2019	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2025 · Amount on File
Deed Sale	Feb 13, 2025 · Amount on File
Prior Sale	Jul 23, 2019 · Amount on File
Deed Document Number	20256077
Prior Transfer Date	Jul 24, 2002
Prior Transfer Doc	0000073002
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 AMBER CT, SAINT CHARLES, MO 63303-5001
Transaction Type	Mortgage
Record Updated	Sep 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 AMBER CT, SAINT CHARLES, MO 63303-5001

Mortgage

Document Number	0000035864
Date	Sep 1, 2023
Instrument	2023R-035864

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 AMBER CT, SAINT CHARLES, MO 63303-5001
Document Number	0000096454
Instrument Date	Dec 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 AMBER CT ST CHARLES MO 633035001, ST CHARLES, MO 63303-5001

Mortgage

Document Number	0000096454
Date	Dec 9, 2020
Instrument	96454

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 8, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 23, 2019
Property Address	10 AMBER CT, SAINT CHARLES, MO 63303-5001
Document Number	0071092369
Book / Page	7109 / 2369
Map Reference	MB 19 PG 54
Instrument Date	Jul 22, 2019
Instrument	20190723000376890
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	709 1 2 W HARRISON ST, 709, PAULDING, OH 45879

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 AMBER CT, SAINT CHARLES, MO 63303-5001

Mortgage

Document Number	20190723000376900
Date	Jul 23, 2019
Instrument	20190723000376900

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 10 Amber Ct was $2,841.

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		$45,258 (-)	$238,198 (-) Land $66,000 Building $172,198
2025	$2,841.00	$45,258	$238,198 Land $66,000 Building $172,198
2023		$40,816
2022			$214,819 Land $66,000 Building $148,819

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 10 Amber Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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	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

Wildfire risk around 10 Amber Ct is low, with less than 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 99.8% of the US · lower than 99.6% 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 353 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

May also be available: i3 Broadband, T-Mobile.

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