2928 Concordia Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2928 Concordia Ln, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,991 sqft · built 1962
Lot Size	0.235 acres (10,240 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Apr 2011)
Tax Bill	$3,560 (2025)
Deeds & Mortgages	Aug 2019 Line of Credit Aug 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`048370A000`

Property Details

APN / Parcel Number

Primary APN	`048370A000`
Alternative APN	`6-006B-4072-11-0018.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,991 sqft Living Area
Gross Area	3,531 sqft
1st Floor Area	1,199 sqft
Basement Area	1,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,240 sqft (0.235 acres)
Lot Dimensions	128 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	224 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	048370A000
Street Address	2928 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 SE 60LOT 18 & NW 20LOT 19
Legal Subdivision	ELMWOOD MANOR #3
Legal Block	11
Legal Lot Number	18
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1016
Census Tract	310301

Owner

Source: St. Charles County records, as of August 7, 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	2928 CONCORDIA LN, SAINT CHARLES, MO 63301-4614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2019	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Aug 1, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2011 · Amount on Record
Deed Sale	Apr 22, 2011 · Amount on Record
Prior Sale	Sep 29, 2010
Deed Document Number	2011250840
Deed Book / Page	5578 / 1329
Prior Transfer Date	Mar 8, 2002
Prior Transfer Doc	0028360230
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2928 CONCORDIA LN, SAINT CHARLES, MO 63301-4614
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000448930
Date	Aug 23, 2019
Book Page	7128/1938
Instrument	20190823000448930

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 17, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2928 CONCORDIA LN, SAINT CHARLES, MO 63301-4614
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2928 CONCORDIA LN, SAINT CHARLES, MO 63301-4614

Mortgage

Document Number	0000042657
Date	Aug 1, 2022
Instrument	2022R-042657

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jul 25, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$56,829 (-)	$299,102 (-) Land $50,000 Building $249,102
2025	$3,560.00 (+2.03%)	$56,829 (+4.47%)	$299,102 (+4.47%) Land $50,000 Building $249,102
2024	$3,489.00
2023		$54,396
2022			$286,296 Land $50,000 Building $236,296

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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