St. Charles County property record for 1493 Colgate Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,950 sqft · built 1985 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $162,000 (Nov 2010) |
| Tax Bill | $2,837 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A850002734 |
| Primary APN | A850002734 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,950 sqft Living Area |
| Gross Area | 2,736 sqft |
| 1st Floor Area | 1,168 sqft |
| Basement Area | 1,168 sqft |
| Finished Basement | 782 sqft |
| Unfinished Basement | 386 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 72 sqft |
| 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 | A850002734 |
|---|---|
| Street Address | 1493 COLGATE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-3642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LYNNBROOK #3 LOT 103 |
| Legal Subdivision | LYNNBROOK #3 |
| Legal Lot Number | 103 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 310901 |
Source: St. Charles County records, as of August 7, 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 | 4416 E BIGHORN AVE, PHOENIX, AZ 85044-6817 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 20, 2020 | Deed of Trust, Mortgage FLAT BR MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 24, 2010 · Amount on Record |
| Deed Sale | Nov 24, 2010 · Amount on Record |
| Prior Sale | Jun 11, 2009 · Amount on Record |
| Deed Document Number | 2010799490 |
| Deed Book / Page | 5501 / 625 |
| Prior Transfer Date | Nov 21, 2002 |
| Prior Transfer Doc | 0000124450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1493 COLGATE DR, SAINT CHARLES, MO 63303-3642 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072220370 |
|---|---|
| Date | Jan 28, 2020 |
| Book Page | 7222/0370 |
| Instrument | 20200128000054930 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1493 COLGATE DR, SAINT CHARLES, MO 63303-3642 |
| Document Number | 0000092542 |
| Instrument Date | Nov 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1493 COLGATE DR ST CHARLES MO 633033642, ST CHARLES, MO 63303-3642 |
| Document Number | 0000092542 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 92542 |
| Name | FLAT BR MTG |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Nov 29, 2035 |
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 | $49,122 (-) | $258,536 (-) Building $258,536 | |
| 2025 | $2,837.00 | $49,122 (+12.91%) | $258,536 (+12.91%) |
| 2023 | $43,505 | ||
| 2022 | $228,974 Land $40,000 Building $188,974 |
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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