1438 Cobblestone Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1438 Cobblestone Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,258 sqft · built 1978
Lot Size	0.181 acres (7,872 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Aug 2023)
Tax Bill	$3,003 (2022)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`487860A046`

Property Details

APN / Parcel Number

Primary APN	`487860A046`
Alternative APN	`3-0015-5212-00-0046.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,258 sqft Living Area
Gross Area	3,758 sqft
1st Floor Area	1,898 sqft
Basement Area	1,320 sqft
Finished Basement	360 sqft
Unfinished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	7,872 sqft (0.181 acres)
Lot Dimensions	64 ft deep x 123 ft wide
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	Deck Area
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	487860A046
Street Address	1438 COBBLESTONE DR
City	SAINT CHARLES
State	MO
Zip	63304-6812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC4
Legal Description	WOODSTONE EST LOT 46
Legal Subdivision	WOODSTONE EST
Legal Lot Number	46
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2006
Census Tract	311149

Owner

1438 Cobblestone Dr is owned and occupied by two individuals who bought it in August 2023.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1438 COBBLESTONE DR, SAINT CHARLES, MO 63304-6812
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Aug 29, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2023 · Amount on File
Deed Sale	Aug 29, 2023 · Amount on File
Prior Sale	Oct 2, 2012
Deed Document Number	202335067
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 29, 2023
Property Address	1438 COBBLESTONE DR, SAINT CHARLES, MO 63304-6812
Document Number	0000035067
Map Reference	MB 20 PG 36
Instrument Date	Aug 29, 2023
Instrument	2023R-035067
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8381 WEBER TERRACE DR, SAINT LOUIS, MO 63123-4637

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1438 COBBLESTONE DR, SAINT CHARLES, MO 63304-6812

Mortgage

Document Number	0000035068
Date	Aug 29, 2023
Instrument	2023R-035068

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 29, 2023
Property Address	1438 COBBLESTONE DR, SAINT CHARLES, MO 63304-6812
Document Number	0000035069
Map Reference	MB 20 PG 36
Instrument Date	Aug 29, 2023
Instrument	2023R-035069
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1438 COBBLESTONE DR, SAINT CHARLES, MO 63304-6812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 SPENCER VALLEY DR, SAINT PETERS, MO 63376-2557

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$64,061	$337,161 Land $85,716 Building $251,445
2023		$58,643 (+25.67%)
2022	$3,003.00	$46,663	$308,650 (+25.67%) Land $85,716 Building $222,934
2021			$245,597 Land $71,430 Building $174,167

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 1438 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	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

Wildfire risk around 1438 Cobblestone Dr is low, with 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 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	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	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

Violations Reported to EPA

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.

Internet Providers

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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