St. Charles County property record for 1094 Harness Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,924 sqft · built 1987 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,480 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Dec 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A883000178 |
| Primary APN | A883000178 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,924 sqft Living Area |
| Gross Area | 3,162 sqft |
| 1st Floor Area | 1,402 sqft |
| Basement Area | 1,360 sqft |
| Finished Basement | 522 sqft |
| Unfinished Basement | 838 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Hardboard |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Patio Area | 25 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A883000178 |
|---|---|
| Street Address | 1094 HARNESS DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-2425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLEBROOK #2 LOT 57 |
| Legal Subdivision | SADDLEBROOK #2 |
| Legal Lot Number | 57 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 311124 |
1094 Harness Dr is owned and occupied by two individuals who acquired it in December 2023.
Source: St. Charles County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1094 HARNESS DR, SAINT CHARLES, MO 63304-2425 |
| 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 |
|---|---|
| Mar 29, 2021 | Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU |
| Dec 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2023 |
| Deed Sale | Dec 18, 2023 |
| Prior Sale | Dec 12, 2023 · Amount on File |
| Deed Document Number | 202351083 |
| Prior Transfer Date | Feb 10, 2020 |
| Prior Transfer Doc | 0000090430 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1094 HARNESS DR, SAINT CHARLES, MO 63304-2425 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1094 HARNESS DR, SAINT CHARLES, MO 63304-2425 |
| Document Number | 0000027329 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 2021R-027329 |
| Name | WEST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 12, 2023 |
| Property Address | 1094 HARNESS DR, SAINT CHARLES, MO 63304-2425 |
| Document Number | 0000050422 |
| Map Reference | MB 26 PG 111 |
| Instrument Date | Dec 4, 2023 |
| Instrument | 2023R-050422 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 615 EMILY LN, WYLIE, TX 75098-1815 |
| Name | Verified Name |
|---|---|
| Address | 1094 HARNESS DR, SAINT CHARLES, MO 63304-2425 |
| Document Number | 0000050423 |
|---|---|
| Date | Dec 12, 2023 |
| Instrument | 2023R-050423 |
| Name | FIRST COMMUNITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
The 2025 property tax bill for 1094 Harness Dr was $3,480.
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 | $58,601 (-) | $308,425 (-) Land $65,000 Building $243,425 | |
| 2025 | $3,480.00 | $58,601 | $308,425 Land $65,000 Building $243,425 |
| 2023 | $51,552 (+25.76%) | ||
| 2022 | $2,642.00 | $40,991 | $271,325 (+25.76%) Land $65,000 Building $206,325 |
| 2021 | $215,743 Land $55,000 Building $160,743 |
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 1094 Harness Dr in Zone X, an area of minimal flood risk.
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 risk around 1094 Harness Dr is low, with a 0.02% annual chance of wildfire.
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 423 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: i3 Broadband, Wisper ISP.
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