St. Charles County property record for 2209 Cournier St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 2,451 sqft · built 2017 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $334,594 (Jun 2018) |
| Deeds & Mortgages | Oct 2026 Line of Credit Feb 2024 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T170600080 |
| Primary APN | T170600080 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,451 sqft Living Area |
| Gross Area | 3,120 sqft |
| 1st Floor Area | 1,362 sqft |
| Basement Area | 1,360 sqft |
| Finished Basement | 1,089 sqft |
| Unfinished Basement | 271 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Ranch |
| Exterior Material | Masonry Veneer |
| Lot Area | 4,800 sqft (0.11 acres) |
| Garage Type | Attached |
| Garage Area | 398 sqft |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T170600080 |
|---|---|
| Street Address | 2209 COURNIER ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-5010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VLGS OF PROVENCE #1 LOT 246 |
| Legal Subdivision | VLGS OF PROVENCE #1 |
| Legal Lot Number | 246 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 310302 |
2209 Cournier St is owned and occupied by two individuals who acquired it in February 2024.
Source: St. Charles County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2209 COURNIER ST, SAINT CHARLES, MO 63301-5010 |
| 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 |
|---|---|
| Oct 8, 2026 | Deed of Trust, Mortgage · Line of Credit GREAT SOUTHERN BANK |
| Feb 21, 2024 | Beneficiary Deed, Transfer |
| Sep 25, 2017 | Deed of Trust, Mortgage · Construction Mortgage COMMERCE BANK |
| Dec 23, 2019 | Deed of Trust, Mortgage CENTRAL BK/ST LOUIS |
| Jun 15, 2018 | Warranty Deed, Subdivision Related Transfer CENTRAL BK/ST LOUIS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 2018 · Amount on File |
| Deed Sale | Jun 15, 2018 · Amount on File |
| Deed Document Number | 2018336420 |
| Deed Book / Page | 6934 / 1936 |
| Last Transfer Date | Feb 13, 2024 |
| Transfer Doc | 0000006594 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 8, 2026 |
| Property Address | 2209 COURNIER ST, SAINT CHARLES, MO 63301-5010 |
| Document Number | 0000047852 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 202647852 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2209 COURNIER ST, SAINT CHARLES, MO 63301-5010 |
| Document Number | 0000047852, |
|---|---|
| Date | Oct 8, 2026 |
| Instrument | 202647852 |
| Name | GREAT SOUTHERN BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 21, 2024 |
| Property Address | 2209 COURNIER ST, SAINT CHARLES, MO 63301-5010 |
| Document Number | 0000006594 |
| Map Reference | MB 48 PG 299 |
| Instrument Date | Feb 13, 2024 |
| Instrument | 2024R-006594 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2209 COURNIER ST, SAINT CHARLES, MO 63301-5010 |
| Mail Care Of | RICHARD F DELANEY |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2209 COURNIER ST, SAINT CHARLES, MO 63301-5010 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0068120321 |
|---|---|
| Date | Sep 25, 2017 |
| Book Page | 6812/0321 |
| Instrument | 20170925000599110 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | 11573 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2209 COURNIER ST, SAINT CHARLES, MO 63301-5010 |
| Document Number | 0072090365 |
| Instrument Date | Dec 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2020 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2209 COURNIER ST ST CHARLES MO 633015010, ST CHARLES, MO 63301-5010 |
| Document Number | 0072090365 |
|---|---|
| Date | Jan 2, 2020 |
| Book Page | 007209/000365 |
| Instrument | 520 |
| Name | CENTRAL BK/ST LOUIS |
|---|---|
| Address | SAINT LOUIS, MO 63105-1809 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jan 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 15, 2018 |
| Property Address | 2209 COURNIER ST, SAINT CHARLES, MO 63301-5010 |
| Document Number | 0069341936 |
| Book / Page | 006934 / 001936 |
| Instrument Date | Jun 15, 2018 |
| Instrument | 336420 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 6, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2209 COURNIER ST ST CHARLES MO 633015010, ST CHARLES, MO 63301-5010 |
| Document Number | 69341938 |
|---|---|
| Date | Jun 15, 2018 |
| Book Page | 006934/001938 |
| Instrument | 336430 |
| Name | CENTRAL BK/ST LOUIS |
|---|---|
| Address | SAINT LOUIS, MO 63105-1809 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Jun 14, 2038 |
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 | St. Charles R-VI School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $71,054 | $373,970 Land $90,000 Building $283,970 |
| 2023 | $69,480 | |
| 2022 | $365,683 Land $65,000 Building $300,683 |
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 2209 Cournier St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2002.
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 | 5 in force |
| Nearby Flood Claims | 7 (2002–2022) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Jul 2022 · Severe Storms 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 2209 Cournier St 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 99.8% of the US · lower than 99.6% 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 253 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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