St. Charles County property record for 1005 Waldo Ln, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,340 sqft · built 1987 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $435,000 (Apr 2026) |
| Tax Bill | $3,952 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Nov 2025 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A870002264 |
| Primary APN | A870002264 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,340 sqft Living Area |
| Gross Area | 4,038 sqft |
| 1st Floor Area | 1,202 sqft |
| Basement Area | 1,152 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 32 sqft |
| Patio Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870002264 |
|---|---|
| Street Address | 1005 WALDO LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-4517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WELLINGTON FARM #2 LOT 120 |
| Legal Subdivision | WELLINGTON FARM #2 |
| Legal Lot Number | 120 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 311114 |
1005 Waldo Ln is owned and occupied by an individual who bought it in April 2026.
Source: St. Charles County records, as of September 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1005 WALDO LN, SAINT CHARLES, MO 63304-4517 |
| 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.
| Date | Document |
|---|---|
| Apr 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE CORPORATION |
| Nov 17, 2025 | Personal Representative Deed, Transfer |
| Nov 17, 2025 | Warranty Deed, Transfer FREEDOM TITLE |
| Apr 23, 2018 | Deed of Trust, Mortgage · VA Mortgage PNC MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 10, 2026 · Amount on File |
| Deed Sale | Apr 10, 2026 · Amount on File |
| Prior Sale | Nov 17, 2025 · Amount on File |
| Deed Document Number | 202616671 |
| Transfer Doc | 0000015788 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 10, 2026 |
| Property Address | 1005 WALDO LN, SAINT CHARLES, MO 63304-4517 |
| Document Number | 0000016671 |
| Instrument Date | Apr 7, 2026 |
| Instrument | 202616671 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2026 |
| Title Company | LEADERS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1005 WALDO LN, SAINT CHARLES, MO 63304-4517 |
| Document Number | 0000016672, |
|---|---|
| Date | Apr 10, 2026 |
| Instrument | 202616672 |
| Name | AMERICAN MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 17, 2025 |
| Property Address | 1005 WALDO LN, SAINT CHARLES, MO 63304-4517 |
| Document Number | 0000051434 |
| Map Reference | MB 25 PG 195&196 |
| Instrument Date | Nov 7, 2025 |
| Instrument | 2025R-051434 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7460 HEAHERMOOR LN, DARDENNE PRAIRIE, MO 63368-7231 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 17, 2025 |
| Property Address | 1005 WALDO LN, SAINT CHARLES, MO 63304-4517 |
| Document Number | 0000051435 |
| Map Reference | MB 25 PG 195&196 |
| Instrument Date | Nov 7, 2025 |
| Instrument | 2025R-051435 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7460 HEATHERMOOR LN, DARDENNE PRAIRIE, MO 63368-7231 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1005 WALDO LN, SAINT CHARLES, MO 63304-4517 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0069081232 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 6908/1232 |
| Instrument | 20180423000219000 |
| Name | PNC MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Address | MIAMISBURG, OH 45342 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 1005 Waldo Ln was $3,952, up 9.7% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $66,619 (-) | $350,626 (-) Land $77,777 Building $272,849 | |
| 2025 | $3,952.00 (+9.72%) | $66,619 | $350,626 Land $77,777 Building $272,849 |
| 2024 | $3,602.00 | ||
| 2023 | $60,275 | ||
| 2022 | $317,238 Land $61,110 Building $256,128 |
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 1005 Waldo Ln in Zone X, an area of minimal flood risk.
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 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
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 1005 Waldo Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 92% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530 |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Also Mapped Here | MO AMERICAN ST LOUIS ST CHARLES COUNTIES |
| Lead | 2 ppb (2026) 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 324 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures