St. Charles County property record for 2228 Cherry Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,798 sqft · built 1950 |
| Lot Size | 0.156 acres (6,780 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $285,000 (Nov 2025) |
| Tax Bill | $2,246 (2025) |
| Deeds & Mortgages | Aug 2025 Line of Credit Nov 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 031520A000 |
| Primary APN | 031520A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,798 sqft Living Area |
| Gross Area | 2,220 sqft |
| 1st Floor Area | 1,164 sqft |
| Basement Area | 792 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Shingles |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,780 sqft (0.156 acres) |
| Lot Dimensions | 113 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 36 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 031520A000 |
|---|---|
| Street Address | 2228 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 125 |
| Legal Subdivision | BLANCHETTE HILLS ADDN |
| Legal Block | 13 |
| Legal Lot Number | 125 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 310302 |
Source: St. Charles County records, as of October 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2228 CHERRY LN, SAINT CHARLES, MO 63301-4715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Aug 7, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF ST CHARLES MO |
| Nov 14, 2025 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO |
| Nov 14, 2025 | Beneficiary Deed, Transfer |
| Jun 3, 2025 | Affidavit of Death of Joint Tenant, Transfer |
| Jun 3, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 14, 2025 · Amount on Record |
| Deed Sale | Nov 14, 2025 · Amount on Record |
| Prior Sale | Nov 14, 2025 · Amount on Record |
| Deed Document Number | 202551229 |
| Prior Transfer Date | Nov 10, 2025 |
| Prior Transfer Doc | 0000051229 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2228 CHERRY LN, SAINT CHARLES, MO 63301-4715 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 6209 MID RIVERS MALL DR 159, SAINT PETERS, MO 63304-1102 |
| Document Number | 0000034196 |
|---|---|
| Date | Aug 7, 2025 |
| Instrument | 2025R-034196 |
| Name | FIRST STATE BANK OF ST CHARLES MO |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Jul 15, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 14, 2025 |
| Property Address | 2228 CHERRY LN, SAINT CHARLES, MO 63301-4715 |
| Document Number | 0000051227 |
| Map Reference | MB 5 PG 4 |
| Instrument Date | Nov 10, 2025 |
| Instrument | 2025R-051227 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6209 MID RIVERS MALL DR, SAINT PETERS, MO 63304-1102 |
| Name | Verified Name |
|---|---|
| Address | 2228 CHERRY LN, SAINT CHARLES, MO 63301-4715 |
| Document Number | 0000051228 |
|---|---|
| Date | Nov 14, 2025 |
| Instrument | 2025R-051228 |
| Name | FIRST STATE BANK OF ST CHARLES MO |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 14, 2025 |
| Property Address | 2228 CHERRY LN, SAINT CHARLES, MO 63301-4715 |
| Document Number | 0000051229 |
| Map Reference | MB 5 PG 4 |
| Instrument Date | Nov 7, 2025 |
| Instrument | 2025R-051229 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2228 CHERRY LN, SAINT CHARLES, MO 63301-4715 |
| Name | Verified Name |
|---|---|
| Address | 128 APPLETREE LN, GLEN CARBON, IL 62034-1828 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 3, 2025 |
| Property Address | 2228 CHERRY LN, SAINT CHARLES, MO 63301-4715 |
| Document Number | 0000022949 |
| Map Reference | MB 5 PG 4 |
| Instrument Date | Jun 2, 2025 |
| Instrument | 2025R-022949 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 3, 2025 |
| Property Address | 2228 CHERRY LN, SAINT CHARLES, MO 63301-4715 |
| Document Number | 0000022950 |
| Map Reference | MB 5 PG 4 |
| Instrument Date | May 29, 2025 |
| Instrument | 2025R-022950 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2228 CHERRY LN, SAINT CHARLES, MO 63301-4715 |
| Name | Verified Name |
|---|---|
| Address | 2228 CHERRY LN, SAINT CHARLES, MO 63301-4715 |
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $35,671 (-) | $187,742 (-) Land $55,000 Building $132,742 | |
| 2025 | $2,246.00 (+0.85%) | $35,671 (+3.3%) | $187,742 (+3.31%) Land $55,000 Building $132,742 |
| 2024 | $2,227.00 (+13.68%) | ||
| 2023 | $34,530 (+21.85%) | ||
| 2022 | $1,959.00 | $28,339 | $181,735 (+21.84%) Land $40,000 Building $141,735 |
| 2021 | $149,154 Land $40,000 Building $109,154 |
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.
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 |
|
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.
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.
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 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 |
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