13 Cabernet Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 13 Cabernet Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,072 sqft · built 1987
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$259,000 (Jul 2016)
Tax Bill	$4,611 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A883000676`

Property Details

APN / Parcel Number

Primary APN	`A883000676`
Alternative APN	`3-0040-6213-00-0158.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,072 sqft Living Area
Gross Area	4,096 sqft
1st Floor Area	1,248 sqft
Basement Area	1,224 sqft
Finished Basement	600 sqft
Unfinished Basement	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Bi-Level
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	96 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883000676
Street Address	13 CABERNET CT
City	SAINT CHARLES
State	MO
Zip	63304-1432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VINEYARDS #1 LOT BDRY ADJ LOT 158
Legal Subdivision	VINEYARDS #1 BDRY ADJ
Legal Lot Number	158
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1000
Census Tract	311132

Owner

13 Cabernet Ct is owned and occupied by two individuals who bought it in July 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	13 CABERNET CT, SAINT CHARLES, MO 63304-1432
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2016 · Amount on File
Deed Sale	Jul 25, 2016 · Amount on File
Prior Sale	Jul 27, 2015 · Amount on File
Deed Document Number	2016469690
Deed Book / Page	6579 / 1629
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	13 CABERNET CT, SAINT CHARLES, MO 63304-1432
Document Number	0000092794
Instrument Date	Nov 20, 2020
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 CABERNET CT ST CHARLES MO 633041432, ST CHARLES, MO 63304-1432

Mortgage

Document Number	0000092794
Date	Nov 30, 2020
Instrument	92794

Lender

Name	TOGETHER CU
Address	SAINT LOUIS, MO 63118

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 13 Cabernet Ct was $4,611.

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		$77,796 (-)	$409,455 (-) Land $65,000 Building $344,455
2025	$4,611.00	$77,796	$409,455 Land $65,000 Building $344,455
2023		$68,251
2022			$359,215 Land $55,000 Building $304,215

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 13 Cabernet Ct in Zone X, an area of minimal flood risk, though there have been 26 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	26 (1979–2019)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jan 2016 · 5 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 3 claims Severe Storms & Flooding, Sep 1993 · 9 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

Wildfire risk around 13 Cabernet Ct 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 93% of the US · lower than 90% 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	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 430 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20