St. Charles County property record for 2932 Concordia Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,240 sqft · built 1963 |
| Lot Size | 0.239 acres (10,400 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,000 (Apr 2016) |
| Tax Bill | $3,866 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 048360A000 |
| Primary APN | 048360A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,240 sqft Living Area |
| Gross Area | 3,912 sqft |
| 1st Floor Area | 1,672 sqft |
| Basement Area | 1,120 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,400 sqft (0.239 acres) |
| Lot Dimensions | 130 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Patio Area | 504 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 048360A000 |
|---|---|
| Street Address | 2932 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 LOT 17 & W 10LOT 18 |
| Legal Subdivision | ELMWOOD MANOR #3 |
| Legal Block | 11 |
| Legal Lot Number | 17 |
| 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 August 7, 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 | 2932 CONCORDIA LN, SAINT CHARLES, MO 63301-4614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2016 · Amount on Record |
| Deed Sale | Apr 15, 2016 · Amount on Record |
| Prior Sale | Jul 20, 2015 |
| Deed Document Number | 2016226270 |
| Deed Book / Page | 6522 / 1783 |
| Prior Transfer Date | Jun 23, 2015 |
| Prior Transfer Doc | 0063902352 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2932 CONCORDIA LN, SAINT CHARLES, MO 63301-4614 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021R065517 |
|---|---|
| Date | Aug 5, 2021 |
| Instrument | 2021R-065517 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jul 1, 2036 |
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 | $61,765 (-) | $325,078 (-) Land $50,000 Building $275,078 | |
| 2025 | $3,866.00 (+1.05%) | $61,765 (+3.48%) | $325,078 (+3.49%) Land $50,000 Building $275,078 |
| 2024 | $3,826.00 | ||
| 2023 | $59,685 | ||
| 2022 | $314,129 Land $50,000 Building $264,129 |
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 | Low lower than 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 430 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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