1235 Saddlemaker Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1235 Saddlemaker Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,052 sqft · built 1987
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Apr 2018)
Tax Bill	$3,946 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2023 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`A883000055`

Property Details

APN / Parcel Number

Primary APN	`A883000055`
Alternative APN	`3-157C-6172-00-0082.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,052 sqft Living Area
Gross Area	3,212 sqft
1st Floor Area	1,234 sqft
Basement Area	780 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	7,405 sqft (0.17 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	56 sqft
Deck Area	Deck Area
Patio Area	766 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883000055
Street Address	1235 SADDLEMAKER DR
City	SAINT CHARLES
State	MO
Zip	63304-2423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLEBROOK #3 LOT 82
Legal Subdivision	SADDLEBROOK #3
Legal Lot Number	82
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	4
Census Block	4000
Census Tract	311124

Owner

1235 Saddlemaker Dr is owned and occupied by two individuals who bought it in April 2018.

Source: St. Charles County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1235 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CREDIT UNION
Jun 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Apr 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage A1 MORTGAGE GROUP LLC
May 7, 2020	Deed of Trust, Mortgage A1 MTG GRP LLC
Apr 4, 2018	Warranty Deed, Transfer · Conventional Mortgage KELLER MORTGAGE LLC
Nov 22, 2017	Warranty Deed, Transfer FCS FINANCIAL FCLA
Nov 15, 2017	Warranty Deed, Transfer DPB ENTS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2018 · Amount on File
Deed Sale	Apr 4, 2018 · Amount on File
Prior Sale	Nov 15, 2017 · Amount on File
Deed Document Number	2018180180
Deed Book / Page	6900 / 2088
Prior Transfer Date	Feb 28, 2013
Prior Transfer Doc	0059752169
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jun 3, 2026
Property Address	1235 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Document Number	0000026107
Instrument Date	May 20, 2026
Instrument	202626107
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1235 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Investor	Possibly a Property Investor

Mortgage

Document Number	0000026107,
Date	Jun 3, 2026
Instrument	202626107

Lender

Name	FIRST COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 30, 2036

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1235 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Transaction Type	Mortgage
Record Updated	Jun 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1235 SADDIEMKER DR, SAINT CHARLES, MO 63304

Mortgage

Document Number	0000021612
Date	Jun 6, 2023
Instrument	2023R-021612

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2043

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1235 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	ATG

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1235 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423

Mortgage

Document Number	2021R031155
Date	Apr 9, 2021
Instrument	2021R-031155

Lender

Name	A1 MORTGAGE GROUP LLC
Type	Mortgage Company
Address	LEES SUMMIT, MO 64063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2041

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1235 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Document Number	0072940630
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1235 SADDLEMAKER DR ST CHARLES MO 633042423, ST CHARLES, MO 63304-2423

Mortgage

Document Number	0072940630
Date	May 13, 2020
Book Page	007294/000630
Instrument	308810

Lender

Name	A1 MTG GRP LLC
Type	Mortgage Company
Address	LEES SUMMIT, MO 64063

Agreement

Amount	Amount on Record
Term	300 Months
Due	May 12, 2045

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 4, 2018
Property Address	1235 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Document Number	0069002088
Book / Page	6900 / 2088
Map Reference	MB 26 PG 112&113
Instrument Date	Mar 30, 2018
Instrument	20180404000180180
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	1235 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423

Mortgage

Document Number	20180404000180190
Date	Apr 4, 2018
Instrument	20180404000180190

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Nov 22, 2017
Property Address	1235 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Document Number	2417/0553
Book / Page	2417 / 0553
Instrument Date	Nov 22, 2017
Instrument	2017011044
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	PITKIN COUNTY TITLE, PIKE COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1235 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423

Mortgage

Document Number	2017011045
Date	Nov 22, 2017
Instrument	2017011045

Lender

Name	FCS FINANCIAL FCLA
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 15, 2017
Property Address	1235 SADDLEMAKER DR, SAINT CHARLES, MO 63304-2423
Document Number	0068390115
Book / Page	006839 / 000115
Instrument Date	Nov 10, 2017
Instrument	712790
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	CONTINENTAL

Transaction

Amount	Amount 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	Company
Address	211 S KIRKWOOD RD ST LOUIS MO 631224305, ST LOUIS, MO 63122-4305
Investor	Possibly a Property Investor

Mortgage

Document Number	68390117
Date	Nov 15, 2017
Book Page	006839/000117
Instrument	712800

Lender

Name	DPB ENTS LLC
Address	2417 INDIAN TREE RUN, GLENCOE, MO 63038-1517

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1235 Saddlemaker Dr was $3,946, up 11.2% 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
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$66,515 (-)	$350,082 (-) Land $71,500 Building $278,582
2025	$3,946.00 (+11.25%)	$66,515	$350,082 Land $71,500 Building $278,582
2024	$3,547.00
2023		$59,353
2022			$312,383 Land $71,500 Building $240,883

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 1235 Saddlemaker Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

Wildfire risk around 1235 Saddlemaker Dr is low, with a 0.02% annual chance of 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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