1412 Colonial Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1412 Colonial Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,776 sqft · built 2014
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Oct 2025)
Tax Bill	$4,505 (2025)
Deeds & Mortgages	Oct 2025 Sale Oct 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T072500136`

Property Details

APN / Parcel Number

Primary APN	`T072500136`
Alternative APN	`3-0018-A108-00-1412.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,776 sqft Living Area
Gross Area	3,760 sqft
1st Floor Area	1,260 sqft
Basement Area	1,260 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	3,920 sqft (0.09 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	T072500136
Street Address	1412 COLONIAL DR
City	SAINT CHARLES
State	MO
Zip	63304-6867
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLONIAL GREEN LOT 1412
Legal Subdivision	COLONIAL GREEN
Legal Lot Number	1412
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1025
Census Tract	311740

Owner

1412 Colonial Dr is owned and occupied by two individuals who bought it in October 2025.

Source: St. Charles County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1412 COLONIAL DR, SAINT CHARLES, MO 63304-6867
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Date	Document
Oct 30, 2025	Beneficiary Deed, Transfer
Oct 30, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE CORP
Oct 30, 2025	Intrafamily Transfer, Transfer
Sep 3, 2020	Deed of Trust, Mortgage DAS ACQUISITION
Jan 3, 2020	Warranty Deed, Transfer DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2025 · Amount on File
Deed Sale	Oct 30, 2025 · Amount on File
Prior Sale	Jan 3, 2020 · Amount on File
Deed Document Number	202548453
Prior Transfer Date	Oct 27, 2025
Prior Transfer Doc	0000048456
Record Updated	Oct 29, 2026

October 2025: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 30, 2025
Property Address	1412 COLONIAL DR, SAINT CHARLES, MO 63304-6867
Document Number	0000048455
Map Reference	MB 43 PG 215-218
Instrument Date	Oct 27, 2025
Instrument	2025R-048455
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1412 COLONIAL DR, COTTLEVILLE, MO 63304-6867

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1412 COLONIAL DR, COTTLEVILLE, MO 63304-6867

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 30, 2025
Property Address	1412 COLONIAL DR, SAINT CHARLES, MO 63304-6867
Document Number	0000048453
Map Reference	MB 43 PG 215-218
Instrument Date	Oct 27, 2025
Instrument	2025R-048453
Transaction Type	Transfer
Record Updated	Nov 14, 2025
Title Company	ABSOLUTE TITLE, ABSOLUTE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1049 BROOK MONT DR, O FALLON, MO 63366-4258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1412 COLONIAL DR, COTTLEVILLE, MO 63304-6867

Mortgage

Document Number	0000048454
Date	Oct 30, 2025
Instrument	2025R-048454

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2045

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Oct 30, 2025
Property Address	1412 COLONIAL DR, SAINT CHARLES, MO 63304-6867
Document Number	0000048456
Map Reference	MB 43 PG 215-218
Instrument Date	Oct 21, 2025
Instrument	2025R-048456
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1412 COLONIAL DR, COTTLEVILLE, MO 63304-6867

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1412 COLONIAL DR, COTTLEVILLE, MO 63304-6867

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1412 COLONIAL DR, SAINT CHARLES, MO 63304-6867
Document Number	0000066393
Instrument Date	Sep 3, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	ARC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1412 COLONIAL DR ST CHARLES MO 633046867, ST CHARLES, MO 63304-6867

Mortgage

Document Number	0000066393
Date	Sep 10, 2020
Instrument	66393

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 3, 2020
Property Address	1412 COLONIAL DR, SAINT CHARLES, MO 63304-6867
Document Number	0072100639
Book / Page	007210 / 000639
Instrument Date	Jan 2, 2020
Instrument	4410
Transaction Type	Transfer
Record Updated	Feb 21, 2020
Title Company	ARC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1412 COLONIAL DR COTTLEVILLE MO 633046867, COTTLEVILLE, MO 63304-6867

Mortgage

Document Number	72100641
Date	Jan 3, 2020
Book Page	007210/000641
Instrument	4420

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1412 Colonial Dr was $4,505.

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		$73,138 (-)	$384,936 (+%) Land $70,001 Building $314,935
2025	$4,505.00	$73,138	$384,935 Land $70,001 Building $314,934
2023		$66,788
2022			$351,517 Land $49,998 Building $301,519

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 1412 Colonial Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 1412 Colonial Dr 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	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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