St. Charles County property record for 125 Gardner Pl, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,758 sqft · built 1999 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $774,900 (Apr 2026) |
| Tax Bill | $8,136 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A885000042 |
| Primary APN | A885000042 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,758 sqft Living Area |
| Gross Area | 6,308 sqft |
| 1st Floor Area | 2,012 sqft |
| Basement Area | 1,970 sqft |
| Finished Basement | 236 sqft |
| Unfinished Basement | 1,734 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 54 sqft |
| Patio Area | 144 sqft |
| Account Number | A885000042 |
|---|---|
| Street Address | 125 GARDNER PL |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4582 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GOVERNOR PL #2 LOT 22 |
| Legal Subdivision | GOVERNOR PL #2 |
| Legal Lot Number | 22 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 310602 |
125 Gardner Pl is owner-occupied and held in a trust since April 2026.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 125 GARDNER PL, SAINT CHARLES, MO 63301-4582 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2026 · Amount on File |
| Deed Sale | Apr 21, 2026 · Amount on File |
| Prior Sale | Aug 19, 1998 · Amount on File |
| Deed Document Number | 202618296 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 21, 2026 |
| Property Address | 125 GARDNER PL, SAINT CHARLES, MO 63301-4582 |
| Document Number | 0000018296 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 202618296 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
| Address | 125 GARDNER PL, SAINT CHARLES, MO 63301-4582 |
| Document Number | 0000018297, |
|---|---|
| Date | Apr 21, 2026 |
| Instrument | 202618297 |
| Name | DAS ACQUISITION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 125 Gardner Pl was $8,136, up 1.4% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $125,084 (-) | $658,345 (-) Land $115,500 Building $542,845 | |
| 2025 | $8,136.00 (+1.4%) | $125,084 | $658,345 Land $115,500 Building $542,845 |
| 2024 | $8,024.00 | ||
| 2023 | $120,000 | ||
| 2022 | $631,573 Land $99,000 Building $532,573 |
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.
FEMA maps place 125 Gardner Pl in Zone X, an area of minimal flood risk, though there have been 61 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 61 (1979–2022) |
| Claims Outside the SFHA | 16 of 61 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 125 Gardner Pl is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 221 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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