1223 Saddlemaker Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1223 Saddlemaker Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,120 sqft · built 1987
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,000 (Aug 2018)
Tax Bill	$3,792 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`A883000061`

Property Details

APN / Parcel Number

Primary APN	`A883000061`
Alternative APN	`3-157C-6172-00-0088.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,120 sqft Living Area
Gross Area	3,285 sqft
1st Floor Area	975 sqft
Basement Area	945 sqft
Finished Basement	200 sqft
Unfinished Basement	745 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	92 sqft
Deck Area	Deck Area
Patio Area	560 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883000061
Street Address	1223 SADDLEMAKER DR
City	SAINT CHARLES
State	MO
Zip	63304-2423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLEBROOK #3 LOT 88
Legal Subdivision	SADDLEBROOK #3
Legal Lot Number	88
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	1223 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Nov 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Aug 24, 2018	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Apr 23, 2018	Affidavit of Death, Transfer TITLE PARTNERS AGENCY LLC
Apr 23, 2018	Warranty Deed, Transfer TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2018 · Amount on Record
Deed Sale	Aug 24, 2018 · Amount on Record
Prior Sale	Apr 23, 2018
Deed Document Number	2018486960
Deed Book / Page	6967 / 2209
Prior Transfer Date	Apr 17, 2018
Prior Transfer Doc	0069081469
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1223 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1223 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423

Mortgage

Document Number	2021R075712
Date	Sep 10, 2021
Instrument	2021R-075712

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1223 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068400514
Date	Nov 17, 2017
Book Page	6840/0514
Instrument	20171117000717530

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	48250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2032

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1223 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072391025
Date	Feb 28, 2020
Book Page	7239/1025
Instrument	20200228000123960

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 24, 2018
Property Address	1223 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Document Number	0069672209
Book / Page	6967 / 2209
Map Reference	MB 26 PG 112&113
Instrument Date	Aug 17, 2018
Instrument	20180824000486960
Transaction Type	Transfer
Record Updated	Aug 9, 2021

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
Address	7093 S LOCUST CIR, 7093, CENTENNIAL, CO 80112-1575

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1223 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423

Mortgage

Document Number	20180824000486970
Date	Aug 24, 2018
Instrument	20180824000486970

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

April 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CHARLES MO
Recording Date	Apr 23, 2018
Property Address	1223 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Document Number	0069081469
Book / Page	006908 / 001469
Instrument Date	Apr 20, 2018
Instrument	219270
Transaction Type	Transfer
Record Updated	May 1, 2018
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1223 SADDLEMAKER DR ST CHARLES MO 633042423, ST CHARLES, MO 63304-2423

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 23, 2018
Property Address	1223 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Document Number	0069081471
Book / Page	006908 / 001471
Instrument Date	Apr 20, 2018
Instrument	219280
Transaction Type	Transfer
Record Updated	May 24, 2018
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

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	Company
Address	7093 S LOCUST CIR CENTENNIAL CO 801121575, CENTENNIAL, CO 80112-1575

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		$63,904 (-)	$336,336 (-) Land $71,500 Building $264,836
2025	$3,792.00 (+10.94%)	$63,904 (+11.75%)	$336,336 (+11.75%) Land $71,500 Building $264,836
2024	$3,418.00
2023		$57,183
2022			$300,965 Land $71,500 Building $229,465

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 100 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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