St. Charles County property record for 3 Amber Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,040 sqft · built 1975 |
| Lot Size | 0.204 acres (8,908 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $149,000 (Apr 2013) |
| Tax Bill | $3,564 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Mar 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 145138A000 |
| Primary APN | 145138A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,040 sqft Living Area |
| Gross Area | 3,340 sqft |
| 1st Floor Area | 1,470 sqft |
| Basement Area | 1,410 sqft |
| Finished Basement | 570 sqft |
| Unfinished Basement | 840 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,908 sqft (0.204 acres) |
| Lot Dimensions | 131 ft deep x 68 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 25 sqft |
| Patio Area | 420 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 145138A000 |
|---|---|
| Street Address | 3 AMBER CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-5001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | SHADOW WOOD LOT 49 |
| Legal Subdivision | SHADOW WOOD |
| Legal Lot Number | 49 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 310902 |
3 Amber Ct is owned and occupied by two individuals who bought it in April 2013.
Source: St. Charles County records, as of May 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 AMBER CT, SAINT CHARLES, MO 63303-5001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 24, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Mar 15, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2013 · Amount on File |
| Deed Sale | Apr 16, 2013 · Amount on File |
| Prior Sale | Jan 7, 2008 · Amount on File |
| Deed Document Number | 2013300670 |
| Deed Book / Page | 5998 / 2087 |
| Prior Transfer Date | Dec 3, 2007 |
| Prior Transfer Doc | 0049060936 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 24, 2026 |
| Property Address | 3 AMBER CT, SAINT CHARLES, MO 63303-5001 |
| Document Number | 0000019022 |
| Instrument Date | Feb 20, 2026 |
| Instrument | 202619022 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3 AMBER CT, SAINT CHARLES, MO 63303-5001 |
| Document Number | 0000019022, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 202619022 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 1, 2046 |
| Rate | 6.09% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3 AMBER CT, SAINT CHARLES, MO 63303-5001 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 3 AMBER CT, SAINT CHARLES, MO 63303-5001 |
| Document Number | 0000009534 |
|---|---|
| Date | Mar 15, 2023 |
| Instrument | 2023R-009534 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 20, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3 Amber Ct was $3,564, up 9.8% from the year before.
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 | $3,564.00 (+9.8%) | $56,895 | $299,446 Land $66,000 Building $233,446 |
| 2024 | $3,246.00 | ||
| 2023 | $50,565 | ||
| 2022 | $266,130 Land $66,000 Building $200,130 |
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.
FEMA maps place 3 Amber Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.
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 | 2 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
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 risk around 3 Amber Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.6% 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.
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 353 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 |
May also be available: i3 Broadband, T-Mobile.
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