1209 Saddlemaker Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1209 Saddlemaker Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,797 sqft · built 1987
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$403,987 (Jul 2024)
Tax Bill	$3,519 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A870002150`

Property Details

APN / Parcel Number

Primary APN	`A870002150`
Alternative APN	`3-157C-6088-00-0095.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,797 sqft Living Area
Gross Area	3,285 sqft
1st Floor Area	975 sqft
Basement Area	945 sqft
Finished Basement	877 sqft
Unfinished Basement	68 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	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870002150
Street Address	1209 SADDLEMAKER DR
City	SAINT CHARLES
State	MO
Zip	63304-2423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLEBROOK #1 LOT 95
Legal Subdivision	SADDLEBROOK #1
Legal Lot Number	95
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	Individual Name on Record
Mailing Address	1209 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Sep 21, 2020	Deed of Trust, Mortgage INTEGRITY MTG/MO
Nov 21, 2019	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2024 · Amount on Record
Deed Sale	Jul 10, 2024 · Amount on Record
Prior Sale	Nov 21, 2019 · Amount on Record
Deed Document Number	202427262
Prior Transfer Date	Nov 11, 2019
Prior Transfer Doc	0071860287
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1209 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Transaction Type	Mortgage
Record Updated	Nov 5, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423

Mortgage

Document Number	0000046912
Date	Oct 21, 2025
Instrument	2025R-046912

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1209 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Document Number	0000072321
Instrument Date	Sep 21, 2020
Transaction Type	Mortgage
Record Updated	Dec 18, 2020
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 SADDLEMAKER DR ST CHARLES MO 633042423, ST CHARLES, MO 63304-2423

Mortgage

Document Number	0000072321
Date	Sep 28, 2020
Instrument	72321

Lender

Name	INTEGRITY MTG/MO
Type	Mortgage Company
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2050

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 21, 2019
Property Address	1209 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Document Number	0071860287
Book / Page	7186 / 0287
Map Reference	MB 25 PG 190
Instrument Date	Nov 11, 2019
Instrument	20191121000668190
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423

Mortgage

Document Number	20191121000668200
Date	Nov 21, 2019
Instrument	20191121000668200

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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		$59,264 (-)	$311,914 (-) Land $65,000 Building $246,914
2025	$3,519.00 (+2.24%)	$59,264 (+2.91%)	$311,914 (+2.91%) Land $65,000 Building $246,914
2024	$3,442.00
2023		$57,586
2022			$303,083 Land $65,000 Building $238,083

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.

Nearby Properties on Saddlemaker Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures