1128 Maudie Ln, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1128 Maudie Ln, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,520 sqft · built 1997
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Dec 2005)
Tax Bill	$4,153 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A973000980`

Property Details

APN / Parcel Number

Primary APN	`A973000980`
Alternative APN	`3-0112-7561-00-0207.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,520 sqft Living Area
Gross Area	3,600 sqft
1st Floor Area	1,125 sqft
Basement Area	1,125 sqft
Finished Basement	465 sqft
Unfinished Basement	660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	13,939 sqft (0.32 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	120 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973000980
Street Address	1128 MAUDIE LN
City	SAINT CHARLES
State	MO
Zip	63304-4573
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	EMERALD PL #2 LOT 207
Legal Subdivision	EMERALD PL #2
Legal Lot Number	207
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2048
Census Tract	311114

Owner

1128 Maudie Ln is owned and occupied by two individuals who bought it in December 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	1128 MAUDIE LN, SAINT CHARLES, MO 63304-4573
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2005 · Amount on File
Deed Sale	Dec 30, 2005 · Amount on File
Prior Sale	Oct 28, 2003 · Amount on File
Deed Document Number	20051238450
Deed Book / Page	4382 / 1291
Prior Transfer Date	May 8, 2003
Prior Transfer Doc	0000072684
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jun 30, 2026
Property Address	1128 MAUDIE LN, SAINT CHARLES, MO 63304-4573
Document Number	0000030514
Instrument Date	Apr 30, 2026
Instrument	202630514
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SECURITY TITLE INSURANCE AGENCY, SEC TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1128 MAUDIE LN, SAINT CHARLES, MO 63304-4573
Investor	Possibly a Property Investor

Mortgage

Document Number	0000030514,
Date	Jun 30, 2026
Instrument	202630514

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Apr 30, 2051

Interest

Rate	6.46%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1128 Maudie Ln was $4,153.

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		$70,016 (-)	$368,503 (-) Land $75,000 Building $293,503
2025	$4,153.00	$70,016	$368,503 Land $75,000 Building $293,503
2023		$61,897
2022			$325,776 Land $60,000 Building $265,776

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 1128 Maudie Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.

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
Nearby Flood Claims	2 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 2 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

Wildfire risk around 1128 Maudie Ln is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 369 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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