1013 Lancaster Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1013 Lancaster Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 1973
Lot Size	0.229 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$247,500 (Jun 2020)
Tax Bill	$3,262 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jan 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`094497A000`

Property Details

APN / Parcel Number

Primary APN	`094497A000`
Alternative APN	`6-0020-4562-00-0107.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,352 sqft Living Area
1st Floor Area	1,352 sqft
Basement Area	1,352 sqft
Finished Basement	394 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,000 sqft
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	105 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	094497A000
Old Parcel Number	094497A000
Street Address	1013 LANCASTER DR
City	SAINT CHARLES
State	MO
Zip	63301-0625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	TOWN & COUNTRY LOT 107
Legal Range	04E
Legal Township	47N
Legal Subdivision	TOWN & COUNTRY RESUB
Legal Lot Number	107
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2007
Census Tract	310301

Owner

Source: St. Charles County records, as of March 16, 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
Co-owner	Co-owner on Record
Mailing Address	1013 LANCASTER DR, SAINT CHARLES, MO 63301-0625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 17, 2019	Warranty Deed, Transfer STIFEL BK&TR
Sep 25, 2017	Grant Deed, Transfer BANK OF OLD MONROE
Mar 15, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2020 · Amount on Record
Deed Sale	Jun 2, 2020 · Amount on Record
Prior Sale	Jan 17, 2019 · Amount on Record
Deed Document Number	0073091238
Deed Book / Page	7309 / 1238
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 2, 2020
Property Address	1013 LANCASTER DR, SAINT CHARLES, MO 63301-0625
Document Number	0073091238
Book / Page	7309 / 1238
Map Reference	MB 15 PG 20-23
Instrument Date	May 22, 2020
Instrument	20200602000363000
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 LANCASTER DR, SAINT CHARLES, MO 63301-0625

Mortgage

Document Number	20200602000363010
Date	Jun 2, 2020
Instrument	20200602000363010

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 17, 2019
Property Address	1013 LANCASTER DR, SAINT CHARLES, MO 63301-0625
Document Number	0070262181
Book / Page	007026 / 002181
Instrument Date	Jan 15, 2019
Instrument	27530
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

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	Husband and Wife
Address	1013 LANCASTER DR ST CHARLES MO 633010625, ST CHARLES, MO 63301-0625

Mortgage

Document Number	70262183
Date	Jan 17, 2019
Book Page	007026/002183
Instrument	27540

Lender

Name	STIFEL BK&TR
Type	Bank
Address	ST LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2049

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 25, 2017
Property Address	1013 LANCASTER DR, SAINT CHARLES, MO 63301-0625
Document Number	0068122340
Book / Page	006812 / 002340
Instrument Date	Sep 21, 2017
Instrument	602430
Transaction Type	Transfer
Record Updated	Nov 3, 2017

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	Husband and Wife
Address	1013 LANCASTER DR ST CHARLES MO 633010625, ST CHARLES, MO 63301-0625

Mortgage

Document Number	68122342
Date	Sep 25, 2017
Book Page	006812/002342
Instrument	602440

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 15, 2017
Property Address	1013 LANCASTER DR, SAINT CHARLES, MO 63301-0625
Document Number	0067120083
Book / Page	006712 / 000083
Instrument Date	Mar 8, 2017
Instrument	154850
Transaction Type	Transfer
Record Updated	Mar 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	211 KINGFIELD DR LAKE ST LOUIS MO 633672661, LAKE ST LOUIS, MO 63367-2661
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$3,262.00	$52,034 (+14.91%)	$273,865 (+14.91%) Land $60,000 Building $213,865
2023		$45,282
2022			$238,327 Land $60,000 Building $178,327

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
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	75 (1979–2015)
Claims Outside the SFHA	1 of 75
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Flooding, Jun 2011 · 3 claims Severe Storms And Flooding, Jul 2008 · 2 claims Severe Storms & Flooding, Aug 1993 · 25 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

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 250 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: Verizon.

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