St. Charles County property record for 1015 Waldo Ln, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,199 sqft · built 1987 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Sep 2019) |
| Tax Bill | $3,966 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage May 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A870002256 |
| Primary APN | A870002256 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,970 sqft Living Area |
| Gross Area | 3,781 sqft |
| 1st Floor Area | 1,207 sqft |
| Basement Area | 1,142 sqft |
| Finished Basement | 771 sqft |
| Unfinished Basement | 371 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 890 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870002256 |
|---|---|
| Street Address | 1015 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 112 |
| Legal Subdivision | WELLINGTON FARM #2 |
| Legal Lot Number | 112 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 1015 WALDO LN, SAINT CHARLES, MO 63304-4518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 4, 2024 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| May 31, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Sep 19, 2019 | Warranty Deed, Transfer · FHA Mortgage STIFEL BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 19, 2019 · Amount on Record |
| Deed Sale | Sep 19, 2019 · Amount on Record |
| Prior Sale | Jun 15, 2005 · Amount on Record |
| Deed Document Number | 2019514150 |
| Deed Book / Page | 7145 / 1163 |
| Prior Transfer Date | Oct 1, 1997 |
| Prior Transfer Doc | 0000057506 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1015 WALDO LN, SAINT CHARLES, MO 63304-4518 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1015 WALDO LN, SAINT CHARLES, MO 63304-4518 |
| Document Number | 0000012656 |
|---|---|
| Date | Apr 4, 2024 |
| Instrument | 2024R-012656 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 306 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1015 WALDO LN, SAINT CHARLES, MO 63304-4518 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1015 WALDO LN, SAINT CHARLES, MO 63304-4518 |
| Document Number | 0000030357 |
|---|---|
| Date | May 31, 2022 |
| Instrument | 2022R-030357 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 329 Months |
| Due | Oct 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 19, 2019 |
| Property Address | 1015 WALDO LN, SAINT CHARLES, MO 63304-4518 |
| Document Number | 0071451163 |
| Book / Page | 007145 / 001163 |
| Instrument Date | Sep 16, 2019 |
| Instrument | 514150 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2019 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1015 WALDO LN ST CHARLES MO 633044518, ST CHARLES, MO 63304-4518 |
| Document Number | 71451165 |
|---|---|
| Date | Sep 19, 2019 |
| Book Page | 007145/001165 |
| Instrument | 514160 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 18, 2049 |
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 | $66,852 (-) | $351,851 (-) Land $77,777 Building $274,074 | |
| 2025 | $3,966.00 | $66,852 (+5.34%) | $351,851 (+5.34%) Land $77,777 Building $274,074 |
| 2023 | $63,463 | ||
| 2022 | $334,016 Land $61,110 Building $272,906 |
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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