2909 Concordia Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2909 Concordia Ln, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,123 sqft · built 1963
Lot Size	0.196 acres (8,540 sqft)
Owner	Individual Name on Record
Last Sale	$268,500 (Dec 2023)
Tax Bill	$2,832 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`048470A000`

Property Details

APN / Parcel Number

Primary APN	`048470A000`
Alternative APN	`6-006B-4072-12-0003.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,717 sqft Living Area
Gross Area	2,522 sqft
1st Floor Area	1,123 sqft
Basement Area	1,123 sqft
Finished Basement	594 sqft
Unfinished Basement	529 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Split Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,540 sqft (0.196 acres)
Lot Dimensions	122 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	276 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	115 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	048470A000
Street Address	2909 CONCORDIA LN
City	SAINT CHARLES
State	MO
Zip	63301-4613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	ELMWOOD MANOR #3 BLK 12 LOT 3
Legal Subdivision	ELMWOOD MANOR #3
Legal Block	12
Legal Lot Number	3
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1017
Census Tract	310301

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	Individual Name on Record
Mailing Address	2909 CONCORDIA LN, SAINT CHARLES, MO 63301-4613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 6, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2023 · Amount on Record
Deed Sale	Dec 27, 2023 · Amount on Record
Prior Sale	Dec 6, 2022 · Amount on Record
Deed Document Number	202352418
Prior Transfer Date	Aug 20, 1999
Prior Transfer Doc	0000073021
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 27, 2023
Property Address	2909 CONCORDIA LN, SAINT CHARLES, MO 63301-4613
Document Number	0000052418
Map Reference	MB 7 PG 48&49
Instrument Date	Dec 21, 2023
Instrument	2023R-052418
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2909 CONCORDIA LN, SAINT CHARLES, MO 63301-4613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2909 CONCORDIA LN, SAINT CHARLES, MO 63301-4613

Mortgage

Document Number	0000052419
Date	Dec 27, 2023
Instrument	2023R-052419

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 6, 2022
Property Address	2909 CONCORDIA LN, SAINT CHARLES, MO 63301-4613
Document Number	0000064340
Map Reference	MB 7 PG 48&49
Instrument Date	Nov 17, 2022
Instrument	2022R-064340
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2913 CONCORDIA LN, SAINT CHARLES, MO 63301-4613

Mortgage

Document Number	0000064341
Date	Dec 6, 2022
Instrument	2022R-064341

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.74%
Type Change Date	Dec 1, 2027
Change Frequency	6 Months
Min Rate At Change	5%
Max Rate At Change	8.74%
Index	Other
Margin	5
Max Rate	11.7%

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		$45,113 (-)	$237,436 (-) Land $50,000 Building $187,436
2025	$2,832.00	$45,113 (+13.19%)	$237,436 (+13.19%) Land $50,000 Building $187,436
2023		$39,857
2022			$209,774 Land $50,000 Building $159,774

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% 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.

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 515 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
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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