St. Charles County property record for 2 Lone Cedar Ct, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,616 sqft · built 2019 |
| Lot Size | 0.367 acres (16,030 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $617,684 (Jul 2019) |
| Tax Bill | $8,268 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Nov 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | T200700065 |
| Primary APN | T200700065 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,616 sqft Living Area |
| Basement Area | 2,356 sqft |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Stone |
| Lot Area | 16,030 sqft (0.367 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Account Number | T200700065 |
|---|---|
| Street Address | 2 LONE CEDAR CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4595 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VLGS AT SANDFORT FARM #1 LOT 163E |
| Legal Range | 04E |
| Legal Township | 47N |
| Legal Subdivision | VLGS AT SANDFORT FARM #1 |
| Legal Lot Number | 163E |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 310802 |
2 Lone Cedar Ct is owned and occupied by two individuals who bought it in July 2019.
Source: St. Charles County records, as of March 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2 LONE CEDAR CT, SAINT CHARLES, MO 63301-4595 |
| 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 |
|---|---|
| Nov 16, 2020 | Deed of Trust, Mortgage GUILD MTG |
| Nov 13, 2020 | Deed of Trust, Mortgage · Line of Credit NEIGHBORS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2019 · Amount on File |
| Deed Sale | Jul 29, 2019 · Amount on File |
| Deed Document Number | 0071121893 |
| Deed Book / Page | 7112 / 1893 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2 LONE CEDAR CT, SAINT CHARLES, MO 63301-4595 |
| Document Number | 0000093426 |
| Instrument Date | Nov 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2 LONE CEDAR CT ST CHARLES MO 633014595, ST CHARLES, MO 63301-4595 |
| Document Number | 0000093426 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 93426 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 30, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2 LONE CEDAR CT, SAINT CHARLES, MO 63301-4595 |
| Document Number | 0000092714 |
| Instrument Date | Nov 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2 LONE CEDAR CT ST CHARLES MO 633014595, ST CHARLES, MO 63301-4595 |
| Document Number | 0000092714 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 92714 |
| Name | NEIGHBORS CU |
|---|---|
| Address | SAINT LOUIS, MO 63123 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 29, 2045 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 2 Lone Cedar Ct was $8,268.
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,268.00 | $132,681 | $698,323 Land $120,000 Building $578,323 |
| 2023 | $120,682 | ||
| 2022 | $635,166 Land $80,000 Building $555,166 |
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 2 Lone Cedar Ct in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 2 Lone Cedar Ct 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 96% of the US · lower than 94% 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.
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 167 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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