1521 Colgate Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1521 Colgate Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,080 sqft · built 1985
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$137,000 (Aug 2013)
Tax Bill	$2,496 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A850002739`

Property Details

APN / Parcel Number

Primary APN	`A850002739`
Alternative APN	`3-0003-5773-00-0108.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
Gross Area	2,600 sqft
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A850002739
Street Address	1521 COLGATE DR
City	SAINT CHARLES
State	MO
Zip	63303-3644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LYNNBROOK #3 LOT 108
Legal Subdivision	LYNNBROOK #3
Legal Lot Number	108
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1035
Census Tract	310901

Owner

1521 Colgate Dr is owned and occupied by two individuals who bought it in August 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	1521 COLGATE DR, SAINT CHARLES, MO 63303-3644
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	Aug 16, 2013 · Amount on File
Deed Sale	Aug 16, 2013 · Amount on File
Prior Sale	Oct 6, 2010 · Amount on File
Deed Document Number	2013654710
Deed Book / Page	6078 / 79
Prior Transfer Date	Sep 28, 2010
Prior Transfer Doc	0054660765
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1521 COLGATE DR, SAINT CHARLES, MO 63303-3644
Document Number	0000101879
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Mar 16, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1521 COLGATE DR ST CHARLES MO 633033644, ST CHARLES, MO 63303-3644

Mortgage

Document Number	0000101879
Date	Dec 28, 2020
Instrument	101879

Lender

Name	CMG FIN'L
Type	Funding / Finance Company
Address	SAN RAMON, CA 94583

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 27, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1521 Colgate Dr was $2,496, up 7.9% from the year before.

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

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
2026		$43,148 (-)	$227,097 (-) Building $227,097
2025	$2,496.00 (+7.91%)	$43,148	$227,097 Building $227,097
2024	$2,313.00
2023		$38,794
2022			$204,181 Land $40,000 Building $164,181

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 1521 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 1521 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