1496 Colgate Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1496 Colgate Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,742 sqft · built 1986
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$156,600 (Feb 2017)
Tax Bill	$2,576 (2024)
Deeds & Mortgages	Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A850002723`

Property Details

APN / Parcel Number

Primary APN	`A850002723`
Alternative APN	`3-0003-5773-00-0092.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,742 sqft Living Area
Gross Area	2,288 sqft
1st Floor Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	39 sqft
Deck Area	Deck Area
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A850002723
Street Address	1496 COLGATE DR
City	SAINT CHARLES
State	MO
Zip	63303-3641
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LYNNBROOK #3 LOT 92
Legal Subdivision	LYNNBROOK #3
Legal Lot Number	92
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1034
Census Tract	310901

Owner

1496 Colgate Dr is owned and occupied by two individuals who bought it in February 2017.

Source: St. Charles County records, as of August 13, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1496 COLGATE DR, SAINT CHARLES, MO 63303-3641
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2017 · Amount on File
Deed Sale	Feb 6, 2017 · Amount on File
Prior Sale	Apr 4, 2006 · Amount on File
Deed Document Number	201778230
Deed Book / Page	6695 / 2419
Prior Transfer Date	Jan 30, 2017
Prior Transfer Doc	0066952419
Record Updated	Jun 8, 2026

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Feb 6, 2017
Property Address	1496 COLGATE DR, SAINT CHARLES, MO 63303-3641
Document Number	0066952419
Book / Page	6695 / 2419
Map Reference	MB 23 PG 175
Instrument Date	Jan 30, 2017
Instrument	20170206000078230
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	NATIONS TITLE AGENCY OF MISS

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1496 COLGATE DR, SAINT CHARLES, MO 63303-3641

Mortgage

Document Number	20170206000078240
Date	Feb 6, 2017
Instrument	20170206000078240

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$48,558	$255,569 Land $50,000 Building $205,569
2024	$2,576.00
2023		$43,283
2022			$227,803 Land $40,000 Building $187,803

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 1496 Colgate Dr in Zone X, an area of minimal flood risk, though there have been 69 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 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	Severe Storms And Flooding, Jun 2008 · 2 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 2 claims Severe Storms & Flooding, Jul 1993 · 19 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 1496 Colgate Dr is low, with less than 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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