1218 Saddlemaker Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1218 Saddlemaker Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,080 sqft · built 1987
Lot Size	0.22 acres (9,583 sqft)
Owner	Company Name on Record
Tax Bill	$3,551 (2025)
Deeds & Mortgages	Sep 2026 Sale Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A883000045`

Property Details

APN / Parcel Number

Primary APN	`A883000045`
Alternative APN	`3-157C-6172-00-0072.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,080 sqft Living Area
Gross Area	2,972 sqft
1st Floor Area	1,330 sqft
Basement Area	1,242 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Masonry Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	72 sqft
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	A883000045
Street Address	1218 SADDLEMAKER DR
City	SAINT CHARLES
State	MO
Zip	63304-2424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLEBROOK #3 LOT 72
Legal Subdivision	SADDLEBROOK #3
Legal Lot Number	72
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 October 13, 2026

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

Owner of Record	Company Name on Record
Mailing Address	312 WILLIAM CLARK DR, O FALLON, MO 63368-8394
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Special Warranty Deed, Transfer FIRST INTEGRITY TITLE, FIRST INTEGRITY TITLE COMPANY
Jul 23, 2021	Deed of Trust, Mortgage · Unknown MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Dec 16, 2020	Warranty Deed, Transfer NOT AVAILABLE
Jul 18, 2018	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT BOND & MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2026
Deed Sale	Sep 24, 2026
Prior Sale	Dec 16, 2020 · Amount on Record
Deed Document Number	202645607
Prior Transfer Date	Feb 3, 2014
Prior Transfer Doc	0000155700
Record Updated	Oct 29, 2026

September 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 24, 2026
Property Address	1218 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2424
Document Number	0000045607
Instrument Date	Sep 23, 2026
Instrument	202645607
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	FIRST INTEGRITY TITLE, FIRST INTEGRITY TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	312 WILLIAM CLARK DR, O FALLON, MO 63368-8394

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1218 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2424
Transaction Type	Mortgage
Record Updated	May 31, 2022
Title Company	OS NATIONAL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062081
Date	Jul 23, 2021
Instrument	2021R-062081

Lender

Name	MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Type	Mortgage Company
Address	NEW YORK, NY 10036

Agreement

Type	Unknown
Amount	Amount Recorded

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 16, 2020
Property Address	1218 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2424
Document Number	0000098755
Instrument Date	Dec 12, 2020
Instrument	98755
Transaction Type	Transfer
Record Updated	Mar 16, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1850 PARKWAY PL #900 MARIETTA GA 30067, 900, MARIETTA, GA 30067
Investor	Possibly a Property Investor

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 18, 2018
Property Address	1218 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2424
Document Number	0069492018
Book / Page	6949 / 2018
Map Reference	MB 26 PG 112
Instrument Date	Jul 13, 2018
Instrument	20180718000404610
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1218 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2424

Mortgage

Document Number	20180718000404620
Date	Jul 18, 2018
Instrument	20180718000404620

Lender

Name	PARAMOUNT BOND & MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 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		$59,809 (-)	$314,783 (-) Land $65,000 Building $249,783
2025	$3,551.00	$59,809 (+9.98%)	$314,783 (+9.97%) Land $65,000 Building $249,783
2023		$54,384
2022			$286,232 Land $65,000 Building $221,232

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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