1017 Picardy Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1017 Picardy Ln, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,314 sqft · built 1988
Lot Size	0.485 acres (21,115 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Dec 2017)
Tax Bill	$4,194 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A850001629`

Property Details

APN / Parcel Number

Primary APN	`A850001629`
Alternative APN	`6-0020-5726-00-0269.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,314 sqft Living Area
Gross Area	3,800 sqft
1st Floor Area	1,334 sqft
Basement Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,115 sqft (0.485 acres)
Lot Dimensions	205 ft deep x 103 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	210 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A850001629
Street Address	1017 PICARDY LN
City	SAINT CHARLES
State	MO
Zip	63301-0640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LE CHATEAUX #2 LOT 269
Legal Subdivision	LE CHATEAUX #2
Legal Lot Number	269
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2001
Census Tract	310301

Owner

1017 Picardy Ln is owned and occupied by two individuals who acquired it in August 2022.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1017 PICARDY LN, SAINT CHARLES, MO 63301-0640
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Aug 19, 2022	Intrafamily Transfer, Transfer
Dec 6, 2017	Warranty Deed, Transfer DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2017 · Amount on File
Deed Sale	Dec 6, 2017 · Amount on File
Prior Sale	Sep 17, 2012 · Amount on File
Deed Document Number	2017753430
Deed Book / Page	6848 / 2215
Last Transfer Date	Aug 16, 2022
Transfer Doc	0000046048
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1017 PICARDY LN, SAINT CHARLES, MO 63301-0640
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1O17 PICARDY LN, SAINT CHARLES, MO 63301

Mortgage

Document Number	0000065253
Date	Aug 4, 2021
Instrument	2021R-065253

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2051

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 19, 2022
Property Address	1017 PICARDY LN, SAINT CHARLES, MO 63301-0640
Document Number	0000046048
Map Reference	MB 23 PG 115
Instrument Date	Aug 16, 2022
Instrument	2022R-046048
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	1017 PICARDY LN, SAINT CHARLES, MO 63301-0640

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 6, 2017
Property Address	1017 PICARDY LN, SAINT CHARLES, MO 63301-0640
Document Number	0068482215
Book / Page	006848 / 002215
Instrument Date	Dec 1, 2017
Instrument	753430
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Amount	Amount on Record
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	Joint Tenants with Right of Survivorship
Address	1017 PICARDY LN ST CHARLES MO 633010640, ST CHARLES, MO 63301-0640

Mortgage

Document Number	68482217
Date	Dec 6, 2017
Book Page	006848/002217
Instrument	753440

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1017 Picardy Ln was $4,194.

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$67,052 (-)	$352,905 (-) Land $77,000 Building $275,905
2025	$4,194.00	$67,052	$352,905 Land $77,000 Building $275,905
2023		$60,800
2022			$320,000 Land $60,500 Building $259,500

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

FEMA maps place 1017 Picardy Ln in Zone X, an area of minimal flood risk, though there have been 75 flood claims nearby since 1979.

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

Wildfire risk around 1017 Picardy Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 95% 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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