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11 Amber Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 11 Amber Ct, Saint Charles, MO 63303

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,112 sqft · built 1976
Lot Size0.157 acres (6,860 sqft)
OwnerIndividual Name on Record
Last Sale$127,900 (May 2014)
Deeds & MortgagesJan 2018 Mortgage
Oct 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN145130A000

Property Details

APN / Parcel Number

Primary APN145130A000
Alternative APN
  • 6-0013-5087-00-0041.0000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,112 sqft Living Area
1st Floor Area1,064 sqft
Basement Area1,092 sqft

Exterior

Year BuiltBuilt 1976
Architectural StyleRanch
Exterior MaterialBrick Veneer
Lot Area6,860 sqft
Lot Dimensions98 ft deep x 70 ft wide
Garage TypeAttached
Garage Area456 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area100 sqft
Utility Building192 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
SewerConnected

Location & Zoning

Account Number145130A000
Old Parcel Number145130A000
Street Address11 AMBER CT
CitySAINT CHARLES
StateMO
Zip63303-5001
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAF0
Legal DescriptionSHADOW WOOD LOT 41
Legal Range04E
Legal Township46N
Legal SubdivisionSHADOW WOOD
Legal Lot Number41
JurisdictionST CHARLES MO
Township / Civil DivisionZUMBEHL
Census Block Group3
Census Block3008
Census Tract310902

Owner

Source: St. Charles County records, as of October 19, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address11 AMBER CT, SAINT CHARLES, MO 63303-5001
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 16, 2018Deed of Trust, Mortgage · VA Mortgage
HOME POINT FINANCIAL CORPORATION
Oct 29, 2021Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 23, 2014 · Amount on Record
Deed SaleMay 23, 2014 · Amount on Record
Deed Document Number0061901769
Deed Book / Page6190 / 1769
Record UpdatedJun 7, 2026

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address11 AMBER CT, SAINT CHARLES, MO 63303-5001
Transaction TypeMortgage
Record UpdatedJan 28, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000027470
DateJan 16, 2018
Book Page6867/0835
Instrument20180116000027470
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeGovernment Agency
AddressPARSIPPANY, NJ 07054
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2048

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address11 AMBER CT, SAINT CHARLES, MO 63303-5001
Transaction TypeMortgage
Record UpdatedNov 11, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address11 AMBER CT, SAINT CHARLES, MO 63303-5001

Mortgage

Document Number2021R089627
DateOct 29, 2021
Instrument2021R-089627
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term317 Months
DueMar 1, 2048

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2023

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictSt. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

YearAssessed ValueAssessed Market Value
2023$39,204
2022$206,339 Land $66,000 Building $140,339

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims1 (2022)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 2022 · Severe Storms And Flooding

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 RiskLow
lower than 99.8% of the US · lower than 99.6% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemST CHARLES PWS
serves 78,961 people · EPA ID MO6010707
Water SourcePurchased surface water from several systems
Last State InspectionOct 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 353 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000

May also be available: i3 Broadband, T-Mobile.

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