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1427 Cobblestone Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1427 Cobblestone Dr, Saint Charles, MO 63304

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,344 sqft · built 1978
Lot Size0.251 acres (10,944 sqft)
OwnerIndividual Name on Record
Last Sale$235,000 (Nov 2017)
Tax Bill$4,491 (2025)
Deeds & MortgagesNov 2020 Mortgage
Nov 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN487860A043

Property Details

APN / Parcel Number

Primary APN487860A043
Alternative APN
  • 3-0015-5212-00-0043.0000000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area2,344 sqft Living Area
1st Floor Area2,344 sqft
Basement Area1,320 sqft
Finished Basement548 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Architectural StyleOther
Exterior MaterialStone
Lot Area10,944 sqft
Lot Dimensions114 ft deep x 96 ft wide
Garage TypeAttached
Parking Spaces2 Parking Spaces
Patio Area354 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
SewerConnected

Location & Zoning

Account Number487860A043
Old Parcel Number487860A043
Street Address1427 COBBLESTONE DR
CitySAINT CHARLES
StateMO
Zip63304-6849
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAC4
Legal DescriptionWOODSTONE EST LOT 43
Legal Range04E
Legal Township46N
Legal SubdivisionWOODSTONE EST
Legal Lot Number43
JurisdictionST CHARLES MO
Township / Civil DivisionHARVESTER
Census Block Group2
Census Block2005
Census Tract311149

Owner

Source: St. Charles County records, as of March 16, 2026

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address1427 COBBLESTONE DR, SAINT CHARLES, MO 63304-6849
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 27, 2020Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MTG
Nov 29, 2017Warranty Deed, Transfer · FHA Mortgage
DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 29, 2017 · Amount on Record
Deed SaleNov 29, 2017 · Amount on Record
Deed Document Number0006845962
Deed Book / Page6845 / 962
Record UpdatedJun 8, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address1427 COBBLESTONE DR, SAINT CHARLES, MO 63304-6849
Document Number0000095232
Instrument DateNov 27, 2020
Transaction TypeMortgage
Record UpdatedMar 2, 2021
Title CompanyINSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1427 COBBLESTONE DR ST CHARLES MO 633046849, ST CHARLES, MO 63304-6849

Mortgage

Document Number0000095232
DateDec 7, 2020
Instrument95232
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressSAINT LOUIS, MO 63005
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term336 Months
DueDec 6, 2048

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateNov 29, 2017
Property Address1427 COBBLESTONE DR, SAINT CHARLES, MO 63304-6849
Document Number0068450962
Book / Page6845 / 0962
Map ReferenceMB 20 PG 36
Instrument DateNov 17, 2017
Instrument20171129000738700
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyFREEDOM TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1067 GOSS CT, WENTZVILLE, MO 63385-4688

Mortgage

Document Number20171129000738710
DateNov 29, 2017
Instrument20171129000738710
Lender
NameDELMAR FINANCIAL CO
TypeLending Institution
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,491.00$75,760 (+9.57%)$398,737 (+9.57%) Land $85,716 Building $313,021
2023$69,141
2022$363,898 Land $85,716 Building $278,182

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims11 (1979–2020)
Claims Outside the SFHA1 of 11
Most Recent ClaimAug 2020 · river or lake flooding
Claims by Event
  • Severe Storms & Flooding, Jul 1993 · 5 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

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 SystemMO AMERICAN ST LOUIS ST CHARLES COUNTIES
private · serves 1,111,000 people · EPA ID MO6010716
Water SourceSurface water
Last State InspectionFeb 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 335 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000

May also be available: Verizon.

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