1083 Harness Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1083 Harness Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,848 sqft · built 1990
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$196,900 (Jan 2009)
Tax Bill	$4,148 (2025)
Deeds & Mortgages	Jul 2023 Transfer Jul 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A883002695`

Property Details

APN / Parcel Number

Primary APN	`A883002695`
Alternative APN	`3-157C-6323-00-0156.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,848 sqft Living Area
Gross Area	4,120 sqft
1st Floor Area	1,848 sqft
Basement Area	1,832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	12 sqft
Deck Area	Deck Area
Patio Area	347 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883002695
Street Address	1083 HARNESS DR
City	SAINT CHARLES
State	MO
Zip	63304-2400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEENELAND EST AT SADDLEBROOK LOT 156
Legal Subdivision	KEENELAND EST AT SADDLEBROOK
Legal Lot Number	156
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	4
Census Block	4002
Census Tract	311124

Owner

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	1083 HARNESS DR, SAINT CHARLES, MO 63304-2400
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Affidavit of Death of Joint Tenant, Transfer
Jul 27, 2023	Beneficiary Deed, Transfer
Mar 3, 2020	Deed of Trust, Mortgage ESSEX RESIDENTIAL MORTGAGE LLC ESSEX RESIDENTIAL MORTGAGE LLC
Feb 16, 2018	Deed of Trust, Mortgage ESSEX RESIDENTIAL MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2009 · Amount on Record
Deed Sale	Jan 15, 2009 · Amount on Record
Prior Sale	Apr 2, 2001 · Amount on Record
Deed Document Number	200929160
Deed Book / Page	5095 / 1753
Last Transfer Date	Jul 26, 2023
Transfer Doc	0000030001
Record Updated	Sep 20, 2026

July 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Jul 27, 2023
Property Address	1083 HARNESS DR, SAINT CHARLES, MO 63304-2400
Document Number	0000030000
Map Reference	MB 27 PG 147
Instrument Date	Jul 24, 2023
Instrument	2023R-030000
Transaction Type	Transfer
Record Updated	Aug 11, 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
Address	1083 HARNESS DR, SAINT CHARLES, MO 63304-2400

July 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 27, 2023
Property Address	1083 HARNESS DR, SAINT CHARLES, MO 63304-2400
Document Number	0000030001
Map Reference	MB 27 PG 147
Instrument Date	Jul 24, 2023
Instrument	2023R-030001
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1083 HARNESS DR, SAINT CHARLES, MO 63304-2400

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	1083 HARNESS DR, SAINT CHARLES, MO 63304-2400

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1083 HARNESS DR, SAINT CHARLES, MO 63304-2400
Document Number	0072470541
Instrument Date	Mar 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1083 HARNESS DR ST CHARLES MO 633042400, ST CHARLES, MO 63304-2400

Mortgage

Document Number	0072470541
Date	Mar 12, 2020
Book Page	007247/000541
Instrument	152160

Lender

Name	ESSEX RESIDENTIAL MORTGAGE LLC ESSEX RESIDENTIAL MORTGAGE LLC
Type	Bank
Address	SAINT LOUIS, MO 63127

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1083 HARNESS DR, SAINT CHARLES, MO 63304-2400
Document Number	0068822032
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	FREEDOM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1083 HARNESS DR ST CHARLES MO 633042400, ST CHARLES, MO 63304-2400

Mortgage

Document Number	0068822032
Date	Feb 23, 2018
Book Page	006882/002032
Instrument	98080

Lender

Name	ESSEX RESIDENTIAL MORTGAGE LLC
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63127

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 22, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$69,936 (-)	$368,082 (-) Land $65,000 Building $303,082
2025	$4,148.00 (+8.7%)	$69,936 (+9.45%)	$368,082 (+9.45%) Land $65,000 Building $303,082
2024	$3,816.00 (+27.2%)
2023		$63,895 (+37.07%)
2022	$3,000.00	$46,614	$336,291 (+37.07%) Land $65,000 Building $271,291
2021			$245,338 Land $55,000 Building $190,338

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

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 9 (5% 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.

Wildfire

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% 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 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

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 486 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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