St. Charles County property record for 2605 Brookridge Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,148 sqft · built 1969 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $2,992 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage May 2026 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050480A000 |
| Primary APN | 050480A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,148 sqft Living Area |
| Gross Area | 2,732 sqft |
| 1st Floor Area | 1,148 sqft |
| Basement Area | 1,104 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,600 sqft (0.22 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 24 sqft |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 050480A000 |
|---|---|
| Street Address | 2605 BROOKRIDGE LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0764 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | ELMWOOD MANOR #6 LOT 46 |
| Legal Subdivision | ELMWOOD MANOR #6 |
| Legal Lot Number | 46 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 310301 |
Source: St. Charles County records, as of June 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1295 W WASHINGTON ST, 115, TEMPE, AZ 85288-1233 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jul 22, 2026 | Special Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CREDIT UNION |
| May 20, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Sep 28, 2022 | Warranty Deed, Transfer · Line of Credit FIRST MIDWEST BANK OF THE OZARKS |
| Jul 28, 2021 | Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC |
| Sep 24, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 20, 2026 |
| Deed Sale | May 20, 2026 |
| Prior Sale | Sep 28, 2022 · Amount on Record |
| Deed Document Number | 202623811 |
| Prior Transfer Date | Jun 20, 2006 |
| Prior Transfer Doc | 0000628040 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 22, 2026 |
| Property Address | 2605 BROOKRIDGE LN, SAINT CHARLES, MO 63301-0764 |
| Document Number | 0000034541 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 202634541 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2026 |
| Title Company | INVESTORS LAND TITLE, INVESTORS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2605 BROOKRIDGE LN, SAINT CHARLES, MO 63301-0764 |
| Document Number | 0000034542, |
|---|---|
| Date | Jul 22, 2026 |
| Instrument | 202634542 |
| Name | FIRST COMMUNITY CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 20, 2026 |
| Property Address | 2605 BROOKRIDGE LN, SAINT CHARLES, MO 63301-0764 |
| Document Number | 0000023811 |
| Instrument Date | May 18, 2026 |
| Instrument | 202623811 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 28, 2022 |
| Property Address | 2605 BROOKRIDGE LN, SAINT CHARLES, MO 63301-0764 |
| Document Number | 0000053250 |
| Map Reference | MB 9 PG 30 |
| Instrument Date | Sep 26, 2022 |
| Instrument | 2022R-053250 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1920 CAPOSELE LN, HAZELWOOD, MO 63042-1311 |
| Name | Verified Name |
|---|---|
| Address | 2605 BROOKRIDGE LN, SAINT CHARLES, MO 63301-0764 |
| Document Number | 0000053251 |
|---|---|
| Date | Sep 28, 2022 |
| Instrument | 2022R-053251 |
| Name | FIRST MIDWEST BANK OF THE OZARKS |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 28, 2021 |
| Property Address | 2605 BROOKRIDGE LN, SAINT CHARLES, MO 63301-0764 |
| Document Number | 0000063369 |
| Map Reference | MB 9 PG 30 |
| Instrument Date | Jul 26, 2021 |
| Instrument | 2021R-063369 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1040 APRICOT DR, SAINT CHARLES, MO 63301-3206 |
| Name | Verified Name |
|---|---|
| Address | 2605 BROOKRIDGE LN, SAINT CHARLES, MO 63301-0764 |
| Document Number | 0000063370 |
|---|---|
| Date | Jul 28, 2021 |
| Instrument | 2021R-063370 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2605 BROOKRIDGE LN, SAINT CHARLES, MO 63301-0764 |
| Document Number | 0000073635 |
| Instrument Date | Sep 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2605 BROOKRIDGE LN ST CHARLES MO 633010764, ST CHARLES, MO 63301-0764 |
| Document Number | 0000073635 |
|---|---|
| Date | Oct 1, 2020 |
| Instrument | 73635 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63005 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Sep 30, 2047 |
Source: St. Charles County assessment roll, as of August 13, 2025
| 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 |
|---|---|---|---|
| 2025 | $2,992.00 (+4.98%) | $47,695 (+7.57%) | $251,029 (+7.57%) Land $50,000 Building $201,029 |
| 2024 | $2,850.00 | ||
| 2023 | $44,337 | ||
| 2022 | $233,354 Land $50,000 Building $183,354 |
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 | 4 in force |
| Nearby Flood Claims | 6 (1979–1983) |
| Most Recent Claim | May 1983 · tidal / storm surge |
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 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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