1215 Saddlemaker Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1215 Saddlemaker Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,250 sqft · built 1987
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Jun 2022)
Tax Bill	$3,666 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A883000065`

Property Details

APN / Parcel Number

Primary APN	`A883000065`
Alternative APN	`3-157C-6172-00-0092.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,250 sqft Living Area
Gross Area	3,068 sqft
1st Floor Area	1,356 sqft
Basement Area	1,312 sqft
Finished Basement	894 sqft
Unfinished Basement	418 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	25 sqft
Deck Area	Deck Area
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883000065
Street Address	1215 SADDLEMAKER DR
City	SAINT CHARLES
State	MO
Zip	63304-2423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLEBROOK #3 LOT 92
Legal Subdivision	SADDLEBROOK #3
Legal Lot Number	92
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 September 10, 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	1215 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2022	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Dec 28, 2020	Quit Claim Deed, Transfer FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2022 · Amount on Record
Deed Sale	Jun 3, 2022 · Amount on Record
Prior Sale	Dec 28, 2020 · Amount on Record
Deed Document Number	202231410
Prior Transfer Date	Dec 15, 2020
Prior Transfer Doc	0000102129
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 3, 2022
Property Address	1215 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Document Number	0000031410
Map Reference	MB 26 PG 112
Instrument Date	Jun 1, 2022
Instrument	2022R-031410
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1247 COLD SPRING DR, O FALLON, MO 63368-7992

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1215 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423

Mortgage

Document Number	0000031411
Date	Jun 3, 2022
Instrument	2022R-031411

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 28, 2020
Property Address	1215 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Document Number	0000102129
Instrument Date	Dec 15, 2020
Instrument	102129
Transaction Type	Transfer
Record Updated	Mar 16, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1215 SADDLEMAKER DR ST CHARLES MO 633042423, ST CHARLES, MO 63304-2423

Mortgage

Document Number	102130
Date	Dec 28, 2020
Instrument	102130

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2050

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		$61,751 (-)	$325,006 (-) Land $71,500 Building $253,506
2025	$3,666.00	$61,751 (+9.87%)	$325,006 (+9.87%) Land $71,500 Building $253,506
2023		$56,204
2022			$295,813 Land $71,500 Building $224,313

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	Low lower than 94% of the US · lower than 92% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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