1401 Colonial Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1401 Colonial Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,993 sqft · built 2014
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,412 (2025)
Deeds & Mortgages	Oct 2026 Sale Jul 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T072500125`

Property Details

APN / Parcel Number

Primary APN	`T072500125`
Alternative APN	`3-0018-A108-00-1401.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,993 sqft Living Area
Gross Area	3,625 sqft
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Bi-Level
Exterior Material	Vinyl
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T072500125
Street Address	1401 COLONIAL DR
City	SAINT CHARLES
State	MO
Zip	63304-6878
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLONIAL GREEN LOT 1401
Legal Subdivision	COLONIAL GREEN
Legal Lot Number	1401
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1024
Census Tract	311740

Owner

Source: St. Charles County records, as of October 21, 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	1401 COLONIAL DR, SAINT CHARLES, MO 63304-6878
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Warranty Deed, Transfer CONTINENTAL, CONTINENTAL TITLE COMPANY
Jul 24, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 9, 2026	Deed of Trust, Mortgage · Construction Mortgage STIFEL BANK AND TRUST
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2026
Deed Sale	Oct 8, 2026
Prior Sale	Jan 5, 2015 · Amount on Record
Deed Document Number	202647853
Prior Transfer Date	Jul 22, 2026
Prior Transfer Doc	0000035044
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 8, 2026
Property Address	1401 COLONIAL DR, SAINT CHARLES, MO 63304-6878
Document Number	0000047853
Instrument Date	Oct 7, 2026
Instrument	202647853
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 COLONIAL DR, SAINT CHARLES, MO 63304-6878

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 24, 2026
Property Address	1401 COLONIAL DR, SAINT CHARLES, MO 63304-6878
Document Number	0000035044
Instrument Date	Jul 22, 2026
Instrument	202635044
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 COLONIAL DR, SAINT CHARLES, MO 63304-6878

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jul 9, 2026
Property Address	1401 COLONIAL DR, SAINT CHARLES, MO 63304-6878
Document Number	0000032256
Instrument Date	Jun 30, 2026
Instrument	202632256
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 COLONIAL DR, SAINT CHARLES, MO 63304-6878

Mortgage

Document Number	0000032256,
Date	Jul 9, 2026
Instrument	202632256

Lender

Name	STIFEL BANK AND TRUST

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 15, 2027

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1401 COLONIAL DR, SAINT CHARLES, MO 63304-6878
Transaction Type	Mortgage
Record Updated	Oct 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 COLONIAL DR, COTTLEVILLE, MO 63304-6878

Mortgage

Document Number	2021R079289
Date	Sep 22, 2021
Instrument	2021R-079289

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	MINNEAPOLIS, MN 55467

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Cottleville City
County	St. Charles County
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$71,612 (-)	$376,904 (-) Building $376,904
2025	$4,412.00	$71,612 (+10.59%)	$376,904 (+10.59%) Building $376,904
2023		$64,752
2022			$340,798 Land $49,998 Building $290,800

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 100 ft
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	1 (2019)
Most Recent Claim	May 2019 · Severe Storms, Tornadoes, And Flooding

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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% 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 180 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Wisper ISP.

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