St. Charles County property record for 2912 Concordia Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,234 sqft · built 1962 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $278,000 (Nov 2021) |
| Tax Bill | $3,288 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Jun 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 048410A000 |
| Primary APN | 048410A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,234 sqft Living Area |
| Gross Area | 3,352 sqft |
| 1st Floor Area | 1,562 sqft |
| Basement Area | 1,372 sqft |
| Finished Basement | 672 sqft |
| Unfinished Basement | 700 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| 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 | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 88 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 048410A000 |
|---|---|
| Street Address | 2912 CONCORDIA LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | ELMWOOD MANOR #3 BLK 11 E 20LOT 22 & W 60LOT 23 |
| Legal Subdivision | ELMWOOD MANOR #3 |
| Legal Block | 11 |
| Legal Lot Number | 23 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 310301 |
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 | 2912 CONCORDIA LN, SAINT CHARLES, MO 63301-4614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage COMMERCE BANK |
| Jun 17, 2019 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 5, 2019 | Warranty Deed, Transfer · Line of Credit AMERICAN BANK OF MISSOURI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2021 · Amount on Record |
| Deed Sale | Nov 19, 2021 · Amount on Record |
| Prior Sale | Jun 17, 2019 · Amount on Record |
| Deed Document Number | 202195055 |
| Prior Transfer Date | Jun 8, 2009 |
| Prior Transfer Doc | 0052201156 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 19, 2021 |
| Property Address | 2912 CONCORDIA LN, SAINT CHARLES, MO 63301-4614 |
| Document Number | 2021R095055 |
| Map Reference | MB 7 PG 48&49 |
| Instrument Date | Nov 17, 2021 |
| Instrument | 2021R-095055 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 GUNSTON HALL CT, 110, CHESTERFIELD, MO 63017-2515 |
| Name | Verified Name |
|---|---|
| Address | 2912 CONCORDIA LN, SAINT CHARLES, MO 63301-4614 |
| Document Number | 2021R095056 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 2021R-095056 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 17, 2019 |
| Property Address | 2912 CONCORDIA LN, SAINT CHARLES, MO 63301-4614 |
| Document Number | 0070901627 |
| Book / Page | 7090 / 1627 |
| Map Reference | MB 7 PG 48&49 |
| Instrument Date | Jun 10, 2019 |
| Instrument | 20190617000297890 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CHESTERFIELD TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2912 CONCORDIA LN, SAINT CHARLES, MO 63301-4614 |
| Document Number | 20190617000297900 |
|---|---|
| Date | Jun 17, 2019 |
| Instrument | 20190617000297900 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 5, 2019 |
| Property Address | 2912 CONCORDIA LN, SAINT CHARLES, MO 63301-4614 |
| Document Number | 0070430001 |
| Book / Page | 7043 / 0001 |
| Map Reference | MB 7 PG 48&49 |
| Instrument Date | Mar 1, 2019 |
| Instrument | 20190305000097540 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 356 THOREAU BLVD, O FALLON, MO 63366-7451 |
| Document Number | 20190305000097550 |
|---|---|
| Date | Mar 5, 2019 |
| Instrument | 20190305000097550 |
| Name | AMERICAN BANK OF MISSOURI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $52,448 (-) | $276,043 (-) Land $50,000 Building $226,043 | |
| 2025 | $3,288.00 (-1.44%) | $52,448 (+0.88%) | $276,043 (+0.89%) Land $50,000 Building $226,043 |
| 2024 | $3,336.00 | ||
| 2023 | $51,988 | ||
| 2022 | $273,621 Land $50,000 Building $223,621 |
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 |
|---|---|
| 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures