12 Meadowstone Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 12 Meadowstone Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,282 sqft · built 1993
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Oct 2021)
Tax Bill	$4,255 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A943000497`

Property Details

APN / Parcel Number

Primary APN	`A943000497`
Alternative APN	`3-0003-6931-00-0027.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,282 sqft Living Area
Gross Area	4,382 sqft
1st Floor Area	2,602 sqft
Basement Area	1,360 sqft
Finished Basement	680 sqft
Unfinished Basement	680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	180 sqft
Deck Area	Deck Area
Patio Area	251 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A943000497
Street Address	12 MEADOWSTONE CT
City	SAINT CHARLES
State	MO
Zip	63303-4638
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAYSTONE MEADOWS LOT 27
Legal Subdivision	GRAYSTONE MEADOWS
Legal Lot Number	27
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	2
Census Block	2008
Census Tract	310902

Owner

12 Meadowstone Ct is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 MEADOWSTONE CT, SAINT CHARLES, MO 63303-4638
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	Oct 12, 2021 · Amount on File
Deed Sale	Oct 12, 2021 · Amount on File
Prior Sale	Oct 1, 2013 · Amount on File
Deed Document Number	202184297
Prior Transfer Date	May 11, 2012
Prior Transfer Doc	0000359060
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 12, 2021
Property Address	12 MEADOWSTONE CT, SAINT CHARLES, MO 63303-4638
Document Number	2021R084297
Map Reference	MB 31 PG 133&134
Instrument Date	Oct 7, 2021
Instrument	2021R-084297
Transaction Type	Transfer
Record Updated	Oct 25, 2021
Title Company	ATG

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3102 APPLEROCK DR, 3102, O FALLON, MO 63368-3857

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 MEADOWSTONE CT, SAINT CHARLES, MO 63303-4638

Mortgage

Document Number	2021R084298
Date	Oct 12, 2021
Instrument	2021R-084298

Lender

Name	PARAMOUNT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 12 Meadowstone Ct was $4,255.

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	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$73,954 (-)	$389,229 (-) Land $50,000 Building $339,229
2025	$4,255.00	$73,954	$389,229 Land $50,000 Building $339,229
2023		$64,834 (+12.78%)
2022	$3,660.00	$57,487	$341,230 (+12.78%) Land $50,000 Building $291,230
2021			$302,564

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 12 Meadowstone Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	55 (1978–2016)
Most Recent Claim	Jan 2016 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 15 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 12 Meadowstone Ct 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 98% of the US · lower than 96% 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 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20