St. Charles County property record for 1480 Colgate Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,916 sqft · built 1986 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $267,760 (Aug 2026) |
| Tax Bill | $2,636 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Apr 2023 Second Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A850002727 |
| Primary APN | A850002727 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,916 sqft Living Area |
| Gross Area | 2,476 sqft |
| 1st Floor Area | 1,244 sqft |
| Basement Area | 672 sqft |
| Finished Basement | 672 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Deck Area | Deck Area |
| Patio Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A850002727 |
|---|---|
| Street Address | 1480 COLGATE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-3641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LYNNBROOK #3 LOT 96 |
| Legal Subdivision | LYNNBROOK #3 |
| Legal Lot Number | 96 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 310901 |
Source: St. Charles County records, as of September 3, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1480 COLGATE DR, SAINT CHARLES, MO 63303-3641 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Aug 24, 2026 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE MORTGAGE |
| Apr 26, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOGETHER CU |
| Jan 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Sep 22, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 4, 2021 | Intrafamily Transfer, Transfer |
| Aug 18, 2020 | Quit Claim Deed, Transfer INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Mar 16, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Aug 25, 2017 | Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2026 · Amount on Record |
| Deed Sale | Aug 24, 2026 · Amount on Record |
| Prior Sale | Aug 18, 2020 · Amount on Record |
| Deed Document Number | 202640246 |
| Prior Transfer Date | Feb 17, 2021 |
| Prior Transfer Doc | 0000019353 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 24, 2026 |
| Property Address | 1480 COLGATE DR, SAINT CHARLES, MO 63303-3641 |
| Document Number | 0000040246 |
| Instrument Date | Aug 18, 2026 |
| Instrument | 202640246 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2026 |
| Title Company | SELECT TITLE GROUP |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1480 COLGATE DR, SAINT CHARLES, MO 63303-3641 |
| Document Number | 0000040247, |
|---|---|
| Date | Aug 24, 2026 |
| Instrument | 202640247 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1480 COLGATE DR, SAINT CHARLES, MO 63303-3641 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1480 COLGATE DR, SAINT CHARLES, MO 63303-3641 |
| Document Number | 0000015657 |
|---|---|
| Date | Apr 26, 2023 |
| Instrument | 2023R-015657 |
| Name | TOGETHER CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63118 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 25, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1480 COLGATE DR, SAINT CHARLES, MO 63303-3641 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 1480 COLGATE DR, SAINT CHARLES, MO 63303-3641 |
| Document Number | 0000000973 |
|---|---|
| Date | Jan 5, 2022 |
| Instrument | 2022R-000973 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1480 COLGATE DR, SAINT CHARLES, MO 63303-3641 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1480 COLGATE DR, SAINT CHARLES, MO 63303-3641 |
| Document Number | 2021R079404 |
|---|---|
| Date | Sep 22, 2021 |
| Instrument | 2021R-079404 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | FISHERS, IN 46037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Oct 1, 2047 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 4, 2021 |
| Property Address | 1480 COLGATE DR, SAINT CHARLES, MO 63303-3641 |
| Document Number | 2021R019353 |
| Map Reference | MB 23 PG 175 |
| Instrument Date | Feb 17, 2021 |
| Instrument | 2021R-019353 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7201 ARLINGTON DR, 7201, RICHMOND HEIGHTS, MO 63117-2303 |
| Name | Verified Name |
|---|---|
| Address | 1480 COLGATE DR, SAINT CHARLES, MO 63303-3641 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 18, 2020 |
| Property Address | 1480 COLGATE DR, SAINT CHARLES, MO 63303-3641 |
| Document Number | 0073741936 |
| Book / Page | 007374 / 001936 |
| Instrument Date | Mar 16, 2020 |
| Instrument | 595790 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1480 COLGATE DR ST CHARLES MO 633033641, ST CHARLES, MO 63303-3641 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1480 COLGATE DR, SAINT CHARLES, MO 63303-3641 |
| Document Number | 0073741940 |
| Instrument Date | Mar 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1480 COLGATE DR ST CHARLES MO 633033641, ST CHARLES, MO 63303-3641 |
| Document Number | 0073741940 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | 007374/001940 |
| Instrument | 595800 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63005 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Aug 17, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 25, 2017 |
| Property Address | 1480 COLGATE DR, SAINT CHARLES, MO 63303-3641 |
| Document Number | 0067971013 |
| Book / Page | 006797 / 001013 |
| Instrument Date | Aug 22, 2017 |
| Instrument | 536800 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2017 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1480 COLGATE DR ST CHARLES MO 633033641, ST CHARLES, MO 63303-3641 |
| Document Number | 67971015 |
|---|---|
| Date | Aug 25, 2017 |
| Book Page | 006797/001015 |
| Instrument | 536810 |
| Name | DAS ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 24, 2047 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $45,613 (-) | $240,069 (-) Land $50,000 Building $190,069 | |
| 2025 | $2,636.00 (+4.23%) | $45,613 (+7.37%) | $240,069 (+7.37%) Land $50,000 Building $190,069 |
| 2024 | $2,529.00 | ||
| 2023 | $42,484 | ||
| 2022 | $223,600 Land $40,000 Building $183,600 |
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.
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 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 69 (1979–2014) |
| Claims Outside the SFHA | 14 of 69 |
| Most Recent Claim | Jun 2014 · 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.
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 | None beyond 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 | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 266 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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