1208 Saddlemaker Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1208 Saddlemaker Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,890 sqft · built 1987
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$174,000 (Jun 2005)
Tax Bill	$3,614 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A870002159`

Property Details

APN / Parcel Number

Primary APN	`A870002159`
Alternative APN	`3-157C-6088-00-0104.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,890 sqft Living Area
Gross Area	3,255 sqft
1st Floor Area	945 sqft
Basement Area	945 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	Deck Area
Patio Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870002159
Street Address	1208 SADDLEMAKER DR
City	SAINT CHARLES
State	MO
Zip	63304-2422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLEBROOK #1 LOT 104
Legal Subdivision	SADDLEBROOK #1
Legal Lot Number	104
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	4
Census Block	4000
Census Tract	311124

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1208 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage E HOME LOANS
Sep 1, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
May 26, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Dec 12, 2019	Deed of Trust, Mortgage MR COOPER
Nov 8, 2018	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2005 · Amount on Record
Deed Sale	Jun 30, 2005 · Amount on Record
Prior Sale	May 19, 2004 · Amount on Record
Deed Document Number	2005592720
Deed Book / Page	4217 / 709
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jun 24, 2026
Property Address	1208 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2422
Document Number	0000029546
Instrument Date	Jun 10, 2026
Instrument	202629546
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STEWART GUARANTY TITLE, STEWART TITLE GUARANTY COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2422

Mortgage

Document Number	0000029546,
Date	Jun 24, 2026
Instrument	202629546

Lender

Name	E HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1208 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2422
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2422

Mortgage

Document Number	0000048517
Date	Sep 1, 2022
Instrument	2022R-048517

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1208 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2422
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2422

Mortgage

Document Number	2021R045424
Date	May 26, 2021
Instrument	2021R-045424

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1208 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2422
Document Number	0072011964
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Feb 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1208 SADDLEMAKER DR ST CHARLES MO 633042422, ST CHARLES, MO 63304-2422

Mortgage

Document Number	0072011964
Date	Dec 19, 2019
Book Page	007201/001964
Instrument	730370

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1208 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2422
Document Number	0070030235
Instrument Date	Nov 8, 2018
Transaction Type	Mortgage
Record Updated	Dec 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1208 SADDLEMAKER DR ST CHARLES MO 633042422, ST CHARLES, MO 63304-2422

Mortgage

Document Number	0070030235
Date	Nov 15, 2018
Book Page	007003/000235
Instrument	646040

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2048

Tax Assessment & Valuation

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		$60,883 (-)	$320,435 (-) Land $65,000 Building $255,435
2025	$3,614.00	$60,883 (+12.15%)	$320,435 (+12.14%) Land $65,000 Building $255,435
2023		$54,289
2022			$285,734 Land $65,000 Building $220,734

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

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 9 (5% premium discount)
Nearby Flood Policies	1 in force

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

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 COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) 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 423 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: i3 Broadband, Wisper ISP.

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