St. Charles County property record for 18 Red Cedar Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,363 sqft · built 1994 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $328,000 (Feb 2025) |
| Tax Bill | $3,075 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Feb 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A943001223 |
| Primary APN | A943001223 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,363 sqft Living Area |
| Gross Area | 2,138 sqft |
| 1st Floor Area | 1,113 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 250 sqft |
| Unfinished Basement | 250 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Deck Area | Deck Area |
| Patio Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A943001223 |
|---|---|
| Street Address | 18 RED CEDAR CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODLANDS PH2 #2 LOT 58 |
| Legal Subdivision | WOODLANDS PH2 PLAT 2 |
| Legal Lot Number | 58 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 311001 |
18 Red Cedar Ct is owned and occupied by two individuals who bought it in February 2025.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| May 20, 2026 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Feb 28, 2024 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2025 · Amount on File |
| Deed Sale | Feb 28, 2025 · Amount on File |
| Prior Sale | Feb 28, 2024 · Amount on File |
| Deed Document Number | 20257972 |
| Prior Transfer Date | May 28, 2009 |
| Prior Transfer Doc | 0052011799 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 20, 2026 |
| Property Address | 18 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Document Number | 0000023757 |
| Instrument Date | May 13, 2026 |
| Instrument | 202623757 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 18 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Document Number | 0000023757, |
|---|---|
| Date | May 20, 2026 |
| Instrument | 202623757 |
| Name | NEWREZ LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 28, 2024 |
| Property Address | 18 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Document Number | 0000007489 |
| Map Reference | MB 31 PG 258 |
| Instrument Date | Feb 26, 2024 |
| Instrument | 2024R-007489 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2024 |
| Title Company | SYNERGY TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6819 KLONDIKE RD, HILLSBORO, MO 63050-2215 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 18 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Document Number | 0000007490 |
|---|---|
| Date | Feb 28, 2024 |
| Instrument | 2024R-007490 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
The 2025 property tax bill for 18 Red Cedar Ct was $3,075, up 9.3% from the year before.
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 | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $53,288 (-) | $280,463 (-) Land $66,000 Building $214,463 | |
| 2025 | $3,075.00 (+9.28%) | $53,288 | $280,463 Land $66,000 Building $214,463 |
| 2024 | $2,814.00 | ||
| 2023 | $47,317 | ||
| 2022 | $249,038 Land $55,000 Building $194,038 |
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 18 Red Cedar Ct in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1978.
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 | 2 in force |
| Nearby Flood Claims | 36 (1978–2019) |
| Claims Outside the SFHA | 6 of 36 |
| 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 18 Red Cedar Ct is low, with 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 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | 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 276 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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