121 Gardner Pl, Saint Charles, MO 63301 Property Records

St. Charles County property record for 121 Gardner Pl, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 4,450 sqft · built 1988
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$755,000 (Jun 2023)
Tax Bill	$8,404 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jan 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`A885000040`

Property Details

APN / Parcel Number

Primary APN	`A885000040`
Alternative APN	`5-0079-6241-00-0020.0000000`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	4,450 sqft Living Area
Gross Area	6,998 sqft
1st Floor Area	3,182 sqft
Basement Area	3,182 sqft
Finished Basement	1,268 sqft
Unfinished Basement	1,914 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	634 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	262 sqft
Deck Area	Deck Area
Patio Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A885000040
Street Address	121 GARDNER PL
City	SAINT CHARLES
State	MO
Zip	63301-4582
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GOVERNOR PL #2 LOT 20
Legal Subdivision	GOVERNOR PL #2
Legal Lot Number	20
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	1
Census Block	1007
Census Tract	310602

Owner

121 Gardner Pl is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	121 GARDNER PL, SAINT CHARLES, MO 63301-4582
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
Jun 15, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU
Jan 13, 2023	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2023 · Amount on File
Deed Sale	Jun 15, 2023 · Amount on File
Prior Sale	Jul 22, 2020 · Amount on File
Deed Document Number	202323139
Prior Transfer Date	Jan 12, 2023
Prior Transfer Doc	0000001585
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 15, 2023
Property Address	121 GARDNER PL, SAINT CHARLES, MO 63301-4582
Document Number	0000023139
Map Reference	MB 27 PG 18&19
Instrument Date	Jun 14, 2023
Instrument	2023R-023139
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	55 BARKLEY PL, SAINT CHARLES, MO 63301-4569

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 GARDNER PL, SAINT CHARLES, MO 63301-4582

Mortgage

Document Number	0000023140
Date	Jun 15, 2023
Instrument	2023R-023140

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jul 1, 2028
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year TN
Margin	2
Max Rate	11%

January 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 13, 2023
Property Address	121 GARDNER PL, SAINT CHARLES, MO 63301-4582
Document Number	0000001585
Map Reference	MB 27 PG 18&19
Instrument Date	Jan 12, 2023
Instrument	2023R-001585
Transaction Type	Transfer
Record Updated	Jan 17, 2024

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	300 GRANITE DR, ROLLA, MO 65401-3787

Tax Assessment & Valuation

The 2025 property tax bill for 121 Gardner Pl was $8,404, up 28% from the year before.

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	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$129,215 (-)	$680,080 (-) Land $115,500 Building $564,580
2025	$8,404.00 (+27.97%)	$129,215	$680,080 Land $115,500 Building $564,580
2024	$6,567.00
2023		$98,116 (+28.36%)
2022	$5,312.00	$76,441	$516,404 (+28.35%) Land $99,000 Building $417,404
2021			$402,326 Land $99,000 Building $303,326

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 121 Gardner Pl in Zone X, an area of minimal flood risk, though there have been 61 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
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	61 (1979–2022)
Claims Outside the SFHA	16 of 61
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 10 claims Flooding, Jun 2011 · 6 claims Severe Storms & Flooding, Jul 1993 · 12 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 121 Gardner Pl 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 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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