1140 Lancaster Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1140 Lancaster Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,588 sqft · built 1990
Lot Size	0.388 acres (16,900 sqft)
Owner	2 Individual Names on File
Last Sale	$333,300 (Mar 2023)
Tax Bill	$4,492 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Mar 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A850001611`

Property Details

APN / Parcel Number

Primary APN	`A850001611`
Alternative APN	`6-0020-5726-00-0251.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,588 sqft Living Area
Gross Area	4,071 sqft
1st Floor Area	2,325 sqft
Basement Area	1,217 sqft
Finished Basement	263 sqft
Unfinished Basement	954 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	16,900 sqft (0.388 acres)
Lot Dimensions	169 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	100 sqft
Deck Area	Deck Area
Patio Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A850001611
Street Address	1140 LANCASTER DR
City	SAINT CHARLES
State	MO
Zip	63301-0677
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LE CHATEAUX #2 LOT 251
Legal Subdivision	LE CHATEAUX #2
Legal Lot Number	251
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2000
Census Tract	310301

Owner

1140 Lancaster Dr is owned and occupied by two individuals who bought it in March 2023.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1140 LANCASTER DR, SAINT CHARLES, MO 63301-0677
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

Date	Document
Sep 19, 2025	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE AFFINITY LLC
Mar 13, 2024	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Mar 29, 2023	Intrafamily Transfer, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Jun 23, 2020	Warranty Deed, Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2023 · Amount on File
Deed Sale	Mar 29, 2023 · Amount on File
Prior Sale	Jun 23, 2020 · Amount on File
Deed Document Number	202311609
Prior Transfer Date	Mar 24, 2023
Prior Transfer Doc	0000011609
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1140 LANCASTER DR, SAINT CHARLES, MO 63301-0677
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1140 LANCASTER DR, SAINT CHARLES, MO 63301-0677

Mortgage

Document Number	0000041506
Date	Sep 19, 2025
Instrument	2025R-041506

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1140 LANCASTER DR, SAINT CHARLES, MO 63301-0677
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1140 LANCASTER DR, SAINT CHARLES, MO 63301-0677

Mortgage

Document Number	0000009293
Date	Mar 13, 2024
Instrument	2024R-009293

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 29, 2023
Property Address	1140 LANCASTER DR, SAINT CHARLES, MO 63301-0677
Document Number	0000011609
Map Reference	MB 23 PG 115-117
Instrument Date	Mar 24, 2023
Instrument	2023R-011609
Transaction Type	Transfer
Record Updated	May 8, 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	1140 LANCASTER DR, SAINT CHARLES, MO 63301-0677

Mortgage

Document Number	0000011610
Date	Mar 29, 2023
Instrument	2023R-011610

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 23, 2020
Property Address	1140 LANCASTER DR, SAINT CHARLES, MO 63301-0677
Document Number	0073271173
Book / Page	007327 / 001173
Instrument Date	Jun 18, 2020
Instrument	429410
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	OTHER

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1140 LANCASTER DR ST CHARLES MO 633010677, ST CHARLES, MO 63301-0677

Mortgage

Document Number	73271175
Date	Jun 23, 2020
Book Page	007327/001175
Instrument	429420

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 22, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1140 Lancaster Dr was $4,492.

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		$71,854 (-)	$378,178 (-) Land $70,000 Building $308,178
2025	$4,492.00	$71,854	$378,178 Land $70,000 Building $308,178
2023		$64,981
2022			$342,005 Land $55,000 Building $287,005

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 1140 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

Wildfire risk around 1140 Lancaster Dr is low, with less than 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 97% of the US · lower than 95% 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 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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