St. Charles County property record for 2405 Saint Robert Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,440 sqft · built 1960 |
| Lot Size | 0.202 acres (8,784 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,900 (Mar 2020) |
| Tax Bill | $2,404 (2025) |
| Deeds & Mortgages | Feb 2023 Sale Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 059850A000 |
| Primary APN | 059850A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| Gross Area | 1,920 sqft |
| 1st Floor Area | 960 sqft |
| Basement Area | 960 sqft |
| Finished Basement | 480 sqft |
| Unfinished Basement | 480 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,784 sqft (0.202 acres) |
| Lot Dimensions | 144 ft deep x 61 ft wide |
| Garage Type | Carport |
| Garage Area | 266 sqft |
| Carport | Carport |
| Carport Area | 266 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 059850A000 |
|---|---|
| Street Address | 2405 SAINT ROBERT LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | HAWTHORN HILLS LOT 70 |
| Legal Subdivision | HAWTHORNE HILLS |
| Legal Lot Number | 70 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 310302 |
2405 Saint Robert Ln is owned and occupied by two individuals who acquired it in January 2023.
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2405 SAINT ROBERT LN, SAINT CHARLES, MO 63301-1449 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 6, 2023 | Beneficiary Deed, Transfer |
| Nov 13, 2020 | Deed of Trust, Mortgage HOME LOAN EXPERT LLC |
| Mar 11, 2020 | Quit Claim Deed, Transfer HOME LOAN EXPERT LLC |
| May 18, 2017 | Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2020 · Amount on File |
| Deed Sale | Mar 11, 2020 · Amount on File |
| Prior Sale | May 18, 2017 · Amount on File |
| Deed Document Number | 2020149320 |
| Deed Book / Page | 7246 / 812 |
| Last Transfer Date | Jan 31, 2023 |
| Transfer Doc | 0000004486 |
| Record Updated | Sep 20, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 6, 2023 |
| Property Address | 2405 SAINT ROBERT LN, SAINT CHARLES, MO 63301-1449 |
| Document Number | 0000004486 |
| Map Reference | MB 6 PG 44 |
| Instrument Date | Jan 31, 2023 |
| Instrument | 2023R-004486 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1098 CRESTWOOD LN, O FALLON, MO 63366-1039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2405 SAINT ROBERT LN, SAINT CHARLES, MO 63301-1449 |
| Document Number | 0000089628 |
| Instrument Date | Nov 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2021 |
| Title Company | TRI TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2405 SAINT ROBERT LN ST CHARLES MO 633011449, ST CHARLES, MO 63301-1449 |
| Document Number | 0000089628 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 89628 |
| Name | HOME LOAN EXPERT LLC |
|---|---|
| Address | SAINT LOUIS, MO 63144 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 17, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 11, 2020 |
| Property Address | 2405 SAINT ROBERT LN, SAINT CHARLES, MO 63301-1449 |
| Document Number | 0072460812 |
| Book / Page | 007246 / 000812 |
| Instrument Date | Mar 6, 2020 |
| Instrument | 149320 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2020 |
| Title Company | TITLE RESOURCE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2405 SAINT ROBERT LN ST CHARLES MO 633011449, ST CHARLES, MO 63301-1449 |
| Document Number | 72460814 |
|---|---|
| Date | Mar 11, 2020 |
| Book Page | 007246/000814 |
| Instrument | 149330 |
| Name | HOME LOAN EXPERT LLC |
|---|---|
| Address | SAINT LOUIS, MO 63144 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 10, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 18, 2017 |
| Property Address | 2405 SAINT ROBERT LN, SAINT CHARLES, MO 63301-1449 |
| Document Number | 0067451613 |
| Book / Page | 6745 / 1613 |
| Map Reference | MB 6 PG 44 |
| Instrument Date | May 15, 2017 |
| Instrument | 20170518000305550 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 201 VFW DR, 201, FESTUS, MO 63028-3749 |
| Name | Verified Name |
|---|---|
| Address | 2405 SAINT ROBERT LN, SAINT CHARLES, MO 63301-1449 |
| Document Number | 20170518000305560 |
|---|---|
| Date | May 18, 2017 |
| Instrument | 20170518000305560 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 2405 Saint Robert Ln was $2,404, up 2% from the year before.
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 | $38,218 (-) | $201,149 (-) Land $55,000 Building $146,149 | |
| 2025 | $2,404.00 (+2.04%) | $38,218 | $201,149 Land $55,000 Building $146,149 |
| 2024 | $2,356.00 | ||
| 2023 | $36,568 | ||
| 2022 | $192,461 Land $40,000 Building $152,461 |
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 2405 Saint Robert Ln 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 2405 Saint Robert Ln 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 98% of the US · lower than 96% 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 506 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless 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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