St. Charles County property record for 1027 Lancaster Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,978 sqft · built 1984 |
| Lot Size | 0.91 acres (3,976 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Aug 2015) |
| Tax Bill | $4,349 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 083075A019 |
| Primary APN | 083075A019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,978 sqft Living Area |
| Gross Area | 4,454 sqft |
| 1st Floor Area | 1,978 sqft |
| Basement Area | 1,924 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,976 sqft (0.91 acres) |
| Lot Dimensions | 28 ft deep x 142 ft wide |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Patio Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 083075A019 |
|---|---|
| Street Address | 1027 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 | LE CHATEAUX LOT 91 |
| Legal Subdivision | LE CHATEAUX |
| Legal Lot Number | 91 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 310301 |
1027 Lancaster Dr is owned and occupied by two individuals who bought it in August 2015.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1027 LANCASTER DR, SAINT CHARLES, MO 63301-0625 |
| 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.
| Date | Document |
|---|---|
| Sep 25, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Jun 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2015 · Amount on File |
| Deed Sale | Aug 3, 2015 · Amount on File |
| Prior Sale | Jan 9, 2009 · Amount on File |
| Deed Document Number | 2015509810 |
| Deed Book / Page | 6398 / 1978 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1027 LANCASTER DR, SAINT CHARLES, MO 63301-0625 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STELLAR TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0068121505 |
|---|---|
| Date | Sep 25, 2017 |
| Book Page | 6812/1505 |
| Instrument | 20170925000601110 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1027 LANCASTER DR, SAINT CHARLES, MO 63301-0625 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STELLAR TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0073310810 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 7331/810 |
| Instrument | 20200629000442870 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
The 2025 property tax bill for 1027 Lancaster Dr was $4,349.
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $69,544 (-) | $366,022 (-) Building $366,022 | |
| 2025 | $4,349.00 | $69,544 | $366,022 |
| 2023 | $65,484 | ||
| 2022 | $344,654 Building $344,654 |
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.
FEMA maps place 1027 Lancaster Dr 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 |
|
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.
The area around 1027 Lancaster Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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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