St. Charles County property record for 1435 Cobblestone Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,220 sqft · built 1978 |
| Lot Size | 0.498 acres (21,696 sqft) |
| Owner | Individual Name on File |
| Last Sale | $170,000 (Dec 2010) |
| Tax Bill | $3,774 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 487860A045 |
| Primary APN | 487860A045 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,220 sqft Living Area |
| Gross Area | 3,720 sqft |
| 1st Floor Area | 1,860 sqft |
| Basement Area | 1,320 sqft |
| Finished Basement | 360 sqft |
| Unfinished Basement | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,696 sqft (0.498 acres) |
| Lot Dimensions | 192 ft deep x 113 ft wide |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Deck Area | Deck Area |
| Patio Area | 656 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 487860A045 |
|---|---|
| Street Address | 1435 COBBLESTONE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6849 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AC4 |
| Legal Description | WOODSTONE EST LOT 45 |
| Legal Subdivision | WOODSTONE EST |
| Legal Lot Number | 45 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 311149 |
1435 Cobblestone Dr is owned and occupied by an individual who bought it in December 2010.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1435 COBBLESTONE DR, SAINT CHARLES, MO 63304-6849 |
| 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.
| Date | Document |
|---|---|
| Aug 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jun 26, 2018 | Deed of Trust, Mortgage HOMEWARD RESID'L |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 2010 · Amount on File |
| Deed Sale | Dec 30, 2010 · Amount on File |
| Prior Sale | Oct 22, 2003 · Amount on File |
| Deed Document Number | 2010902240 |
| Deed Book / Page | 5525 / 2214 |
| Prior Transfer Date | Jan 31, 2006 |
| Prior Transfer Doc | 0044162364 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1435 COBBLESTONE DR, SAINT CHARLES, MO 63304-6849 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 1435 COBBLESTONE DR, SAINT CHARLES, MO 63304-6849 |
| Document Number | 2021R064158 |
|---|---|
| Date | Aug 2, 2021 |
| Instrument | 2021R-064158 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1435 COBBLESTONE DR, SAINT CHARLES, MO 63304-6849 |
| Document Number | 0069421327 |
| Instrument Date | Jun 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1435 COBBLESTONE DR ST CHARLES MO 633046849, ST CHARLES, MO 63304-6849 |
| Document Number | 0069421327 |
|---|---|
| Date | Jul 2, 2018 |
| Book Page | 006942/001327 |
| Instrument | 370860 |
| Name | HOMEWARD RESID'L |
|---|---|
| Address | ADDISON, TX 75001 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 1, 2048 |
The 2025 property tax bill for 1435 Cobblestone Dr was $3,774, up 8.4% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $63,584 (-) | $334,652 (-) Land $85,716 Building $248,936 | |
| 2025 | $3,774.00 (+8.39%) | $63,584 | $334,652 Land $85,716 Building $248,936 |
| 2024 | $3,482.00 | ||
| 2023 | $58,253 | ||
| 2022 | $306,597 Land $85,716 Building $220,881 |
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.
FEMA maps place 1435 Cobblestone Dr in Zone X, an area of minimal flood risk, though there have been 11 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 | 5 in force |
| Nearby Flood Claims | 11 (1979–2020) |
| Claims Outside the SFHA | 1 of 11 |
| Most Recent Claim | Aug 2020 · river or lake flooding |
| Claims by Event |
|
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.
The area around 1435 Cobblestone Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 335 locations within half a mile, as of December 31, 2025
| Provider | Max 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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