St. Charles County property record for 1013 Waldo Ln, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,240 sqft · built 1986 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $210,000 (Dec 2014) |
| Tax Bill | $3,946 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A870002257 |
| Primary APN | A870002257 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,240 sqft Living Area |
| Gross Area | 3,816 sqft |
| 1st Floor Area | 2,248 sqft |
| Basement Area | 1,108 sqft |
| Finished Basement | 992 sqft |
| Unfinished Basement | 116 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 158 sqft |
| Patio Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870002257 |
|---|---|
| Street Address | 1013 WALDO LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-4518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WELLINGTON FARM #2 LOT 113 |
| Legal Subdivision | WELLINGTON FARM #2 |
| Legal Lot Number | 113 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 311114 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1013 WALDO LN, SAINT CHARLES, MO 63304-4518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2021 | Deed of Trust, Mortgage · Line of Credit 1ST ADVANTAGE BANK |
| Jul 30, 2019 | Deed of Trust, Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2014 · Amount on Record |
| Deed Sale | Dec 2, 2014 · Amount on Record |
| Prior Sale | Dec 27, 2011 · Amount on Record |
| Deed Document Number | 2014670320 |
| Deed Book / Page | 6274 / 1597 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1013 WALDO LN, SAINT CHARLES, MO 63304-4518 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Title Company | STATE LOUIS COMPANY TITLE (SLCTC), STL |
| Name | Verified Name |
|---|---|
| Address | 1013 WALDO LN, SAINT CHARLES, MO 63304-4518 |
| Document Number | 2021R072870 |
|---|---|
| Date | Aug 31, 2021 |
| Instrument | 2021R-072870 |
| Name | 1ST ADVANTAGE BANK |
|---|---|
| Type | Bank |
| Address | SAINT PETERS, MO 63376 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1013 WALDO LN, SAINT CHARLES, MO 63304-4518 |
| Document Number | 0071181150 |
| Instrument Date | Jul 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2019 |
| Title Company | RAVENSWOOD TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1013 WALDO LN ST CHARLES MO 633044518, ST CHARLES, MO 63304-4518 |
| Document Number | 0071181150 |
|---|---|
| Date | Aug 6, 2019 |
| Book Page | 007118/001150 |
| Instrument | 408510 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Aug 5, 2034 |
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 | $66,505 (-) | $350,028 (-) Land $77,777 Building $272,251 | |
| 2025 | $3,946.00 | $66,505 (+11.24%) | $350,028 (+11.25%) Land $77,777 Building $272,251 |
| 2023 | $59,783 | ||
| 2022 | $314,645 Land $61,110 Building $253,535 |
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.
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.
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 |
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