St. Charles County property record for 1015 Lancaster Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,144 sqft · built 1974 |
| Lot Size | 0.229 acres (10,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,000 (Dec 2020) |
| Tax Bill | $3,799 (2025) |
| Deeds & Mortgages | Jul 2019 Line of Credit Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 094498A000 |
| Primary APN | 094498A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,144 sqft Living Area |
| 1st Floor Area | 1,064 sqft |
| Basement Area | 1,040 sqft |
| Finished Basement | 624 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Lot Area | 10,000 sqft |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 352 sqft |
| Patio Area | 256 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 094498A000 |
|---|---|
| Old Parcel Number | 094498A000 |
| Street Address | 1015 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 108 |
| Legal Range | 04E |
| Legal Township | 47N |
| Legal Subdivision | TOWN & COUNTRY RESUB |
| Legal Lot Number | 108 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 310301 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1015 LANCASTER DR, SAINT CHARLES, MO 63301-0625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2019 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Dec 7, 2020 | Warranty Deed, Transfer DAS ACQUISITION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2020 · Amount on Record |
| Deed Sale | Dec 7, 2020 · Amount on Record |
| Prior Sale | Sep 25, 2014 · Amount on Record |
| Deed Document Number | 0202095770 |
| Deed Book / Page | 2020 / 95770 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1015 LANCASTER DR, SAINT CHARLES, MO 63301-0625 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0071090398 |
|---|---|
| Date | Jul 22, 2019 |
| Book Page | 7109/0398 |
| Instrument | 20190722000373770 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 16, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 7, 2020 |
| Property Address | 1015 LANCASTER DR, SAINT CHARLES, MO 63301-0625 |
| Document Number | 0000095770 |
| Instrument Date | Nov 30, 2020 |
| Instrument | 95770 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1015 LANCASTER DR ST CHARLES MO 633010625, ST CHARLES, MO 63301-0625 |
| Document Number | 95771 |
|---|---|
| Date | Dec 7, 2020 |
| Instrument | 95771 |
| Name | DAS ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63141 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 6, 2050 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,799.00 | $60,688 (+0.87%) | $319,412 (+0.87%) Land $60,000 Building $259,412 |
| 2023 | $60,163 | ||
| 2022 | $316,647 Land $60,000 Building $256,647 |
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 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 |
|
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 | Not rated no burnable land within ember reach |
|---|
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 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 |
| 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 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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