1224 Saddlemaker Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1224 Saddlemaker Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,200 sqft · built 1987
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$267,000 (Aug 2018)
Tax Bill	$4,455 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Feb 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`A883000047`

Property Details

APN / Parcel Number

Primary APN	`A883000047`
Alternative APN	`3-157C-6172-00-0074.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,200 sqft Living Area
Gross Area	3,867 sqft
1st Floor Area	1,250 sqft
Basement Area	1,088 sqft
Finished Basement	862 sqft
Unfinished Basement	226 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	10,454 sqft (0.24 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	45 sqft
Deck Area	Deck Area
Patio Area	819 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883000047
Street Address	1224 SADDLEMAKER DR
City	SAINT CHARLES
State	MO
Zip	63304-2424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLEBROOK #3 LOT 74
Legal Subdivision	SADDLEBROOK #3
Legal Lot Number	74
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	1224 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Feb 25, 2021	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Aug 8, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 18, 2020	Deed of Trust, Mortgage FIRST ST BK/ST CHARLES
Nov 8, 2019	Deed of Trust, Mortgage FIRST ST BK/ST CHARLES
Aug 15, 2018	Warranty Deed, Transfer FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2018 · Amount on Record
Deed Sale	Aug 15, 2018 · Amount on Record
Prior Sale	Jan 15, 2013 · Amount on Record
Deed Document Number	2018465200
Deed Book / Page	6963 / 263
Prior Transfer Date	Jan 3, 2011
Prior Transfer Doc	0055332031
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1224 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2424
Transaction Type	Mortgage
Record Updated	Apr 15, 2026
Title Company	ETC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1224 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2424

Mortgage

Document Number	0000014598
Date	Mar 31, 2026
Instrument	2026R-014598

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Feb 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1224 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2424
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1224 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2424

Mortgage

Document Number	2021R016813
Date	Feb 25, 2021
Instrument	2021R-016813

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jan 1, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1224 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2424
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069592487
Date	Aug 8, 2018
Book Page	6959/2487
Instrument	20180808000451060

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Jun 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1224 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2424
Document Number	0073272480
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 21, 2020
Title Company	FREEDOM TITLE, FREEDOM TITLE LLC-ST LOUIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1224 SADDIEMAKER DR ST CHARLES MO 63304, ST CHARLES, MO 63304

Mortgage

Document Number	0073272480
Date	Jun 24, 2020
Book Page	007327/002480
Instrument	431290

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1224 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2424
Document Number	0071830870
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1224 SADDLEMAKER DR ST CHARLES MO 633042424, ST CHARLES, MO 63304-2424

Mortgage

Document Number	0071830870
Date	Nov 18, 2019
Book Page	007183/000870
Instrument	657460

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 15, 2018
Property Address	1224 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2424
Document Number	0069630263
Book / Page	006963 / 000263
Instrument Date	Aug 8, 2018
Instrument	465200
Transaction Type	Transfer
Record Updated	Sep 7, 2018
Title Company	US TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1224 SADDLEMAKER DR ST CHARLES MO 633042424, ST CHARLES, MO 63304-2424

Mortgage

Document Number	69630265
Date	Aug 15, 2018
Book Page	006963/000265
Instrument	465210

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 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		$75,143 (-)	$395,491 (-) Land $65,000 Building $330,491
2025	$4,455.00 (+11.38%)	$75,143 (+12.17%)	$395,491 (+12.17%) Land $65,000 Building $330,491
2024	$4,000.00
2023		$66,989
2022			$352,575 Land $65,000 Building $287,575

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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