125 Cedar Mill Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 125 Cedar Mill Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,500 sqft · built 1978
Lot Size	0.429 acres (18,696 sqft)
Owner	2 Individuals on Record
Last Sale	$475,608 (Feb 2025)
Tax Bill	$4,619 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`554190B010`

Property Details

APN / Parcel Number

Primary APN	`554190B010`
Alternative APN	`3-0113-5282-00-0848.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,500 sqft Living Area
Gross Area	4,332 sqft
1st Floor Area	1,348 sqft
Basement Area	1,348 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,696 sqft (0.429 acres)
Lot Dimensions	152 ft deep x 123 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	144 sqft
Deck Area	Deck Area
Patio Area	246 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	554190B010
Street Address	125 CEDAR MILL DR
City	SAINT CHARLES
State	MO
Zip	63304-7203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	TIMBERWOOD TRLS #1 LOT 848
Legal Subdivision	TIMBERWOOD TRAILS #1
Legal Lot Number	848
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2018
Census Tract	311114

Owner

Source: St. Charles County assessment roll, as of August 13, 2025

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

Owner of Record	2 Individuals on Record
Mailing Address	125 CEDAR MILL DR, SAINT CHARLES, MO 63304-7203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORP
Jan 13, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Oct 22, 2020	Tax Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2025 · Amount on Record
Deed Sale	Feb 20, 2025 · Amount on Record
Prior Sale	Jan 13, 2022 · Amount on Record
Deed Document Number	20256720
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	125 CEDAR MILL DR, SAINT CHARLES, MO 63304-7203
Transaction Type	Mortgage
Record Updated	Dec 30, 2025
Title Company	SELECT TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 CEDAR MILL DR, SAINT CHARLES, MO 63304-7203

Mortgage

Document Number	0000055973
Date	Dec 12, 2025
Instrument	2025R-055973

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 13, 2022
Property Address	125 CEDAR MILL DR, SAINT CHARLES, MO 63304-7203
Document Number	0000002827
Map Reference	MB 20 PG 141
Instrument Date	Jan 6, 2022
Instrument	2022R-002827
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2717 GREENLEAF DR, SAINT CHARLES, MO 63303-5050

Mortgage

Document Number	0000002828
Date	Jan 13, 2022
Instrument	2022R-002828

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

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

October 2020: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 22, 2020
Property Address	125 CEDAR MILL DR, SAINT CHARLES, MO 63304-7203
Document Number	0000080456
Instrument Date	Aug 28, 2020
Instrument	80456
Transaction Type	Foreclosure
Record Updated	Feb 1, 2021
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	69 SOMERSET HILLS CT ST CHARLES MO 633037316, ST CHARLES, MO 63303-7316

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$4,619.00 (+8.99%)	$77,934 (+9.75%)	$410,178 (+9.75%) Land $70,000 Building $340,178
2024	$4,238.00
2023		$71,011
2022			$373,744 Land $70,000 Building $303,744

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 2 claims

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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Wisper ISP.

Nearby Properties on Cedar Mill Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures