1108 Lancaster Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1108 Lancaster Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,539 sqft · built 1980
Lot Size	0.22 acres (9,563 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Sep 2025)
Tax Bill	$3,843 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083075A023`

Property Details

APN / Parcel Number

Primary APN	`083075A023`
Alternative APN	`6-0020-5264-00-0100.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,539 sqft Living Area
Gross Area	3,458 sqft
1st Floor Area	1,116 sqft
Basement Area	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,563 sqft (0.22 acres)
Lot Dimensions	131 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	Deck Area
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	083075A023
Street Address	1108 LANCASTER DR
City	SAINT CHARLES
State	MO
Zip	63301-0675
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LE CHATEAUX LOT 100
Legal Subdivision	LE CHATEAUX
Legal Lot Number	100
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2008
Census Tract	310301

Owner

1108 Lancaster Dr is owned and occupied by an individual who bought it in September 2025.

Source: St. Charles County records, as of September 11, 2026

Owner of Record	Individual Name on File
Mailing Address	1108 LANCASTER DR, SAINT CHARLES, MO 63301-0675
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Sep 22, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Dec 13, 2021	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Apr 9, 2019	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2025 · Amount on File
Deed Sale	Sep 22, 2025 · Amount on File
Prior Sale	Dec 13, 2021 · Amount on File
Deed Document Number	202541735
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 22, 2025
Property Address	1108 LANCASTER DR, SAINT CHARLES, MO 63301-0675
Document Number	0000041735
Map Reference	MB 21 PG 91
Instrument Date	Sep 18, 2025
Instrument	2025R-041735
Transaction Type	Transfer
Record Updated	Oct 7, 2025
Title Company	STEWART TITLE, STC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 QUIET BROOK CT, SAINT CHARLES, MO 63303-5087

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 LANCASTER DR, SAINT CHARLES, MO 63301-0675

Mortgage

Document Number	0000041736
Date	Sep 22, 2025
Instrument	2025R-041736

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 13, 2021
Property Address	1108 LANCASTER DR, SAINT CHARLES, MO 63301-0675
Document Number	0000100349
Map Reference	MB 21 PG 91
Instrument Date	Dec 10, 2021
Instrument	2021R-100349
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 SONNET WAY CT, 15, WENTZVILLE, MO 63385-3222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 LANCASTER DR, SAINT CHARLES, MO 63301-0675

Mortgage

Document Number	0000100350
Date	Dec 13, 2021
Instrument	2021R-100350

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 9, 2019
Property Address	1108 LANCASTER DR, SAINT CHARLES, MO 63301-0675
Document Number	0070562438
Book / Page	7056 / 2438
Map Reference	MB 21 PG 91
Instrument Date	Apr 4, 2019
Instrument	20190409000158900
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2376 DE LA CROIX AVE, 2376, SAINT CHARLES, MO 63301-5014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 LANCASTER DR, SAINT CHARLES, MO 63301-0675
Investor	Possibly a Property Investor

Mortgage

Document Number	20190409000158910
Date	Apr 9, 2019
Instrument	20190409000158910

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1108 Lancaster Dr was $3,843.

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		$61,398 (-)	$323,149 (-) Land $70,000 Building $253,149
2025	$3,843.00	$61,398	$323,149 Land $70,000 Building $253,149
2023		$55,385
2022			$291,497 Land $55,000 Building $236,497

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 1108 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	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

The area around 1108 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.

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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