20 Colonade Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 20 Colonade Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,799 sqft · built 1983
Lot Size	0.077 acres (3,360 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Jun 2021)
Tax Bill	$4,852 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`450000I089`

Property Details

APN / Parcel Number

Primary APN	`450000I089`
Alternative APN	`3-0015-5572-00-0434.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,799 sqft Living Area
1st Floor Area	1,523 sqft
Basement Area	1,479 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Architectural Style	Other
Exterior Material	Wood
Lot Area	3,360 sqft
Lot Dimensions	32 ft deep x 105 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	450000I089
Old Parcel Number	450000I089
Street Address	20 COLONADE CT
City	SAINT CHARLES
State	MO
Zip	63303-8420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AB8
Legal Description	HERITAGE #22 LOT 434
Legal Range	04E
Legal Township	46N
Legal Subdivision	HERITAGE #22
Legal Lot Number	434
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1015
Census Tract	311145

Owner

20 Colonade Ct is owned and occupied by an individual who bought it in June 2021.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	20 COLONADE CT, SAINT CHARLES, MO 63303-8420
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	Jun 7, 2021 · Amount on File
Deed Sale	Jun 7, 2021 · Amount on File
Deed Document Number	0202148324
Deed Book / Page	2021 / 48324
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 7, 2021
Property Address	20 COLONADE CT, SAINT CHARLES, MO 63303-8420
Document Number	0000048324
Map Reference	MB 22 PG 107
Instrument Date	Jun 2, 2021
Instrument	2021R-048324
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20 COLONADE CT, SAINT CHARLES, MO 63303-8420

Mortgage

Document Number	0000048325
Date	Jun 7, 2021
Instrument	2021R-048325

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 20 Colonade Ct was $4,852.

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$4,852.00	$80,926	$425,924 Land $80,000 Building $345,924
2023		$72,818
2022			$383,251 Land $70,000 Building $313,251

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 20 Colonade 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
Nearby Flood Policies	1 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

Wildfire risk around 20 Colonade 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 95% of the US · lower than 93% 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 378 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20