2220 Cherry Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2220 Cherry Ln, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1954
Lot Size	0.185 acres (8,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (May 2022)
Tax Bill	$2,459 (2025)
Deeds & Mortgages	May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`031540A000`

Property Details

APN / Parcel Number

Primary APN	`031540A000`
Alternative APN	`6-006D-4210-13-0129.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area
Gross Area	2,080 sqft
1st Floor Area	1,040 sqft
Basement Area	728 sqft
Finished Basement	500 sqft
Unfinished Basement	228 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Shingles
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,040 sqft (0.185 acres)
Lot Dimensions	120 ft deep x 67 ft wide
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	Deck Area
Patio Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	031540A000
Street Address	2220 CHERRY LN
City	SAINT CHARLES
State	MO
Zip	63301-4715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	BLANCHETTE HILLS ADDN BLK 13 LOT 129
Legal Subdivision	BLANCHETTE HILLS ADDN
Legal Block	13
Legal Lot Number	129
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2020
Census Tract	310302

Owner

Source: St. Charles County records, as of September 10, 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	2220 CHERRY LN, SAINT CHARLES, MO 63301-4715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2022 · Amount on Record
Deed Sale	May 24, 2022 · Amount on Record
Prior Sale	Mar 28, 2018 · Amount on Record
Deed Document Number	202229278
Prior Transfer Date	Aug 15, 2011
Prior Transfer Doc	0000486200
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 24, 2022
Property Address	2220 CHERRY LN, SAINT CHARLES, MO 63301-4715
Document Number	0000029278
Map Reference	MB 5 PG 4
Instrument Date	May 16, 2022
Instrument	2022R-029278
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24 HIDDEN HILLS DR, SAINT CHARLES, MO 63303-5317

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2220 CHERRY LN, SAINT CHARLES, MO 63301-4715

Mortgage

Document Number	0000029279
Date	May 24, 2022
Instrument	2022R-029279

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$39,102 (-)	$205,798 (-) Land $49,500 Building $156,298
2025	$2,459.00	$39,102 (+3.61%)	$205,798 (+3.61%) Land $49,500 Building $156,298
2023		$37,738
2022			$198,620 Land $36,000 Building $162,620

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Severe Storms And Flooding, Jul 2022 · 2 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	Not rated no burnable land within 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 449 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · 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