2 Katie Brook Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 2 Katie Brook Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,560 sqft · built 1996
Lot Size	1.76 acres (77,101 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Jun 1997)
Tax Bill	$4,782 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493170A000`

Property Details

APN / Parcel Number

Primary APN	`493170A000`
Alternative APN	`3-0015-4010-00-000A.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,560 sqft Living Area
Gross Area	4,370 sqft
1st Floor Area	2,560 sqft
Basement Area	1,390 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	77,101 sqft
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	184 sqft
Patio Area	746 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	493170A000
Street Address	2 KATIE BROOK CT
City	SAINT CHARLES
State	MO
Zip	63304-6813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	COPELAND HGTS LAGOON TRT
Legal Subdivision	COPELAND HGTS
Legal Lot Number	A
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311149

Owner

Source: St. Charles County records, as of October 13, 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	2 KATIE BROOK CT, SAINT CHARLES, MO 63304-6813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
May 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 27, 2020	Deed of Trust, Mortgage · Line of Credit FIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 1997 · Amount on Record
Deed Sale	Jun 18, 1997 · Amount on Record
Deed Document Number	199733079
Deed Book / Page	1950 / 158
Last Transfer Date	Jan 27, 2011
Transfer Doc	0055551003
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Aug 5, 2026
Property Address	2 KATIE BROOK CT, SAINT CHARLES, MO 63304-6813
Document Number	0000037052
Instrument Date	Jul 30, 2026
Instrument	202637052
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189
Address	2 KATIE BROOK CT, SAINT CHARLES, MO 63304-6813

Mortgage

Document Number	0000037052,
Date	Aug 5, 2026
Instrument	202637052

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 30, 2051

Interest

Rate	6.43%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 KATIE BROOK CT, SAINT CHARLES, MO 63304-6813
Transaction Type	Mortgage
Record Updated	May 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 KATIE BROOK CT, SAINT CHARLES, MO 63304-6813

Mortgage

Document Number	0000028486
Date	May 19, 2022
Instrument	2022R-028486

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2037

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 KATIE BROOK CT, SAINT CHARLES, MO 63304-6813
Document Number	0000071957
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Dec 18, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2 KATIE BROOK CT ST CHARLES MO 633046813, ST CHARLES, MO 63304-6813

Mortgage

Document Number	0000071957
Date	Sep 28, 2020
Instrument	71957

Lender

Name	FIRST BK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,698 (-)	$424,721 (-) Land $84,500 Building $340,221
2025	$4,782.00 (+5.24%)	$80,698 (+5.93%)	$424,721 (+5.93%) Land $84,500 Building $340,221
2024	$4,544.00
2023		$76,180
2022			$400,950 Land $78,000 Building $322,950

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

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	5 in force
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Aug 2020 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 5 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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