St. Charles County property record for 12 Red Cedar Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,615 sqft · built 1994 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $332,500 (May 2026) |
| Tax Bill | $3,157 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A943001220 |
| Primary APN | A943001220 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,615 sqft Living Area |
| Gross Area | 2,140 sqft |
| 1st Floor Area | 1,115 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Deck Area | Deck Area |
| Patio Area | 304 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A943001220 |
|---|---|
| Street Address | 12 RED CEDAR CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODLANDS PH2 #2 LOT 55 |
| Legal Subdivision | WOODLANDS PH2 PLAT 2 |
| Legal Lot Number | 55 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 311001 |
12 Red Cedar Ct is owned and occupied by an individual who bought it in May 2026.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| 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.
| Date | Document |
|---|---|
| Jul 27, 2021 | Deed of Trust, Mortgage · VA Mortgage JLB CORP |
| May 21, 2026 | Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK AND TRUST |
| Jul 27, 2021 | Deed of Trust, Mortgage · VA Mortgage JLB CORP |
| Feb 18, 2020 | Quit Claim Deed, Transfer · VA Mortgage THELENDER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2026 · Amount on File |
| Deed Sale | May 21, 2026 · Amount on File |
| Prior Sale | Feb 18, 2020 · Amount on File |
| Deed Document Number | 202623948 |
| Prior Transfer Date | Feb 10, 2020 |
| Prior Transfer Doc | 0072321834 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 12 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 12 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Document Number | 0000062761 |
|---|---|
| Date | Jul 27, 2021 |
| Instrument | 2021R-062761 |
| Name | JLB CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63146 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 21, 2026 |
| Property Address | 12 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Document Number | 0000023948 |
| Instrument Date | May 20, 2026 |
| Instrument | 202623948 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | INVESTORS LAND TITLE, INVESTORS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Document Number | 0000023949, |
|---|---|
| Date | May 21, 2026 |
| Instrument | 202623949 |
| Name | STIFEL BANK AND TRUST |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 12 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 12 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Document Number | 2021R062761 |
|---|---|
| Date | Jul 27, 2021 |
| Instrument | 2021R-062761 |
| Name | JLB CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63146 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 18, 2020 |
| Property Address | 12 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Document Number | 0072321834 |
| Book / Page | 007232 / 001834 |
| Instrument Date | Feb 10, 2020 |
| Instrument | 98360 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2020 |
| Title Company | COPPER TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12 RED CEDAR CT ST CHARLES MO 633036700, ST CHARLES, MO 63303-6700 |
| Document Number | 72321836 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | 007232/001836 |
| Instrument | 98370 |
| Name | THELENDER |
|---|---|
| Address | SAINT PETERS, MO 63376 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 17, 2050 |
The 2025 property tax bill for 12 Red Cedar Ct was $3,157, up 9.1% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $54,729 (-) | $288,050 (-) Land $66,000 Building $222,050 | |
| 2025 | $3,157.00 (+9.09%) | $54,729 | $288,050 Land $66,000 Building $222,050 |
| 2024 | $2,894.00 | ||
| 2023 | $48,680 | ||
| 2022 | $256,210 Land $55,000 Building $201,210 |
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.
FEMA maps place 12 Red Cedar Ct in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1978.
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 | 36 (1978–2019) |
| Claims Outside the SFHA | 6 of 36 |
| Most Recent Claim | Jun 2019 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
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 risk around 12 Red Cedar Ct 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 97% of the US · lower than 95% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 276 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless 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 |
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