1408 Colonial Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1408 Colonial Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,324 sqft · built 2014
Lot Size	0.09 acres (3,920 sqft)
Owner	Company Name on Record
Last Sale	$245,000 (Jan 2017)
Tax Bill	$4,726 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Oct 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T072500132`

Property Details

APN / Parcel Number

Primary APN	`T072500132`
Alternative APN	`3-0018-A108-00-1408.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,324 sqft Living Area
Gross Area	3,996 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	Aluminum/Vinyl
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T072500132
Street Address	1408 COLONIAL DR
City	SAINT CHARLES
State	MO
Zip	63304-6867
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLONIAL GREEN LOT 1408
Legal Subdivision	COLONIAL GREEN
Legal Lot Number	1408
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1025
Census Tract	311740

Owner

Source: St. Charles County records, 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	Company Name on Record
Mailing Address	1408 COLONIAL DR, SAINT CHARLES, MO 63304-6867
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF SPRINGFIELD
Oct 18, 2018	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 15, 2021	Intrafamily Transfer, Transfer
Aug 19, 2019	Deed of Trust, Mortgage · VA Mortgage DAS ACQUISITION
Jan 4, 2017	Warranty Deed, Transfer · FHA Mortgage VINSON MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2017 · Amount on Record
Deed Sale	Jan 4, 2017 · Amount on Record
Prior Sale	Mar 27, 2015 · Amount on Record
Deed Document Number	20177120
Deed Book / Page	6680 / 1572
Last Transfer Date	Mar 10, 2021
Transfer Doc	2021R022750
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1408 COLONIAL DR, SAINT CHARLES, MO 63304-6867
Transaction Type	Mortgage
Record Updated	Apr 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1408 COLONIAL DR, SAINT CHARLES, MO 63304-6867

Mortgage

Document Number	0000016223
Date	Mar 21, 2022
Instrument	2022R-016223

Lender

Name	BANK OF SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62794

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1408 COLONIAL DR, SAINT CHARLES, MO 63304-6867
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1408 COLONIAL DR, COTTLEVILLE, MO 63304-6867

Mortgage

Document Number	0069912087
Date	Oct 18, 2018
Book Page	6991/2087
Instrument	20181018000595300

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 15, 2021
Property Address	1408 COLONIAL DR, SAINT CHARLES, MO 63304-6867
Document Number	2021R022750
Map Reference	MB 43 PG 215
Instrument Date	Mar 10, 2021
Instrument	2021R-022750
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1408 COLONIAL DR, SAINT CHARLES, MO 63304-6867

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1408 COLONIAL DR, SAINT CHARLES, MO 63304-6867
Document Number	0071291827
Instrument Date	Aug 19, 2019
Transaction Type	Mortgage
Record Updated	Sep 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1408 COLONIAL DR COTTLEVILLE MO 633046867, COTTLEVILLE, MO 63304-6867

Mortgage

Document Number	0071291827
Date	Aug 26, 2019
Book Page	007129/001827
Instrument	453010

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2049

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 4, 2017
Property Address	1408 COLONIAL DR, SAINT CHARLES, MO 63304-6867
Document Number	0066801572
Book / Page	6680 / 1572
Map Reference	MB 43 PG 215
Instrument Date	Nov 30, 2016
Instrument	20170104000007120
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CONTINENTAL TITLE

Transaction

Amount	Amount Recorded
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
Address	990 REDDINGTON OAKS CT, 990, SAINT CHARLES, MO 63304-5071

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1408 COLONIAL DR, SAINT CHARLES, MO 63304-6867

Mortgage

Document Number	20170104000007130
Date	Jan 4, 2017
Instrument	20170104000007130

Lender

Name	VINSON MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

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

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
2025	$4,726.00 (+8.05%)	$76,744 (+9.04%)	$403,913 (+9.04%) Land $70,001 Building $333,912
2024	$4,374.00
2023		$70,383
2022			$370,435 Land $49,998 Building $320,437

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 500 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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