St. Charles County property record for 15 Cabernet Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,384 sqft · built 1987 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,800 (Feb 2021) |
| Tax Bill | $4,467 (2025) |
| Deeds & Mortgages | Oct 2017 Line of Credit Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A870002718 |
| Primary APN | A870002718 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,384 sqft Living Area |
| Gross Area | 4,008 sqft |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 1,224 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,860 sqft (0.41 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | Deck Area |
| Patio Area | 624 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870002718 |
|---|---|
| Street Address | 15 CABERNET CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VINEYARDS #1 LOT 159 |
| Legal Subdivision | VINEYARDS #1 |
| Legal Lot Number | 159 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311132 |
15 Cabernet Ct is owned and occupied by two individuals who bought it in February 2021.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 CABERNET CT, SAINT CHARLES, MO 63304-1432 |
| 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 |
|---|---|
| Oct 30, 2017 | Deed of Trust, Mortgage · Line of Credit RELIANCE BANK |
| Feb 9, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage CNB ST LOUIS BANK |
| Feb 26, 2019 | Warranty Deed, Transfer · Conventional Mortgage CITIZENS NATL BANK OF GREATER ST LO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 9, 2021 · Amount on File |
| Deed Sale | Feb 9, 2021 · Amount on File |
| Prior Sale | Feb 26, 2019 · Amount on File |
| Deed Document Number | 202112242 |
| Prior Transfer Date | Mar 14, 2002 |
| Prior Transfer Doc | 0000044802 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 15 CABERNET CT, SAINT CHARLES, MO 63304-1432 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0068302033 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 6830/2033 |
| Instrument | 20171030000679340 |
| Name | RELIANCE BANK |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63366 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 9, 2021 |
| Property Address | 15 CABERNET CT, SAINT CHARLES, MO 63304-1432 |
| Document Number | 2021R012242 |
| Map Reference | MB 26 PG 23-25 |
| Instrument Date | Feb 4, 2021 |
| Instrument | 2021R-012242 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 CABERNET CT, SAINT CHARLES, MO 63304-1432 |
| Document Number | 2021R012243 |
|---|---|
| Date | Feb 9, 2021 |
| Instrument | 2021R-012243 |
| Name | CNB ST LOUIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 26, 2019 |
| Property Address | 15 CABERNET CT, SAINT CHARLES, MO 63304-1432 |
| Document Number | 0070400371 |
| Book / Page | 7040 / 0371 |
| Map Reference | MB 26 PG 23-25 |
| Instrument Date | Feb 14, 2019 |
| Instrument | 20190226000085690 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 15 CABERNET CT, SAINT CHARLES, MO 63304-1432 |
| Document Number | 20190226000085700 |
|---|---|
| Date | Feb 26, 2019 |
| Instrument | 20190226000085700 |
| Name | CITIZENS NATL BANK OF GREATER ST LO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
The 2025 property tax bill for 15 Cabernet Ct was $4,467, up 13.3% 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 | $75,357 (-) | $396,615 (-) Land $65,000 Building $331,615 | |
| 2025 | $4,467.00 (+13.35%) | $75,357 | $396,615 Land $65,000 Building $331,615 |
| 2024 | $3,941.00 | ||
| 2023 | $65,993 | ||
| 2022 | $347,332 Land $55,000 Building $292,332 |
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 15 Cabernet Ct in Zone X, an area of minimal flood risk, though there have been 26 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 | 1 in force |
| Nearby Flood Claims | 26 (1979–2019) |
| Claims Outside the SFHA | 1 of 26 |
| Most Recent Claim | Jun 2019 · Severe Storms, Tornadoes, And 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.
Wildfire risk around 15 Cabernet Ct is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 90% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 430 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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