10 Red Cedar Ct, Saint Charles, MO 63303 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,057 sqft · built 1993
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$268,000 (Feb 2021)
Tax Bill	$3,527 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A943001219`

Property Details

APN / Parcel Number

Primary APN	`A943001219`
Alternative APN	`3-0117-7016-00-0054.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,057 sqft Living Area
Gross Area	2,971 sqft
1st Floor Area	1,057 sqft
Basement Area	747 sqft
Finished Basement	253 sqft
Unfinished Basement	494 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	64 sqft
Deck Area	Deck Area
Patio Area	199 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A943001219
Street Address	10 RED CEDAR CT
City	SAINT CHARLES
State	MO
Zip	63303-6700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLANDS PH2 #2 LOT 54
Legal Subdivision	WOODLANDS PH2 PLAT 2
Legal Lot Number	54
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1022
Census Tract	311001

Owner

10 Red Cedar Ct is owned and occupied by two individuals who acquired it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	10 RED CEDAR CT, SAINT CHARLES, MO 63303-6700
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	Feb 10, 2021 · Amount on File
Deed Sale	Feb 10, 2021 · Amount on File
Prior Sale	Apr 30, 2014 · Amount on File
Deed Document Number	202112512
Last Transfer Date	Dec 27, 2021
Transfer Doc	0000104635
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 RED CEDAR CT, SAINT CHARLES, MO 63303-6700
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 RED CEDAR CT, SAINT CHARLES, MO 63303-6700

Mortgage

Document Number	2021R012513
Date	Feb 10, 2021
Instrument	2021R-012513

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 10 Red Cedar Ct was $3,527.

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		$61,206 (-)	$322,137 (-) Land $66,000 Building $256,137
2025	$3,527.00	$61,206	$322,137 Land $66,000 Building $256,137
2023		$53,694
2022			$282,602 Land $55,000 Building $227,602

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 Red Cedar Ct in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1978.

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	36 (1978–2019)
Claims Outside the SFHA	6 of 36
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2019 · 2 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 4 claims Severe Storms & Flooding, Aug 1993 · 12 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 10 Red Cedar Ct 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.

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 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20