St. Charles County property record for 3045 Cherokee Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,513 sqft · built 1973 |
| Lot Size | 0.227 acres (9,890 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $3,304 (2025) |
| Deeds & Mortgages | Oct 2025 Sale Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 047110A000 |
| Primary APN | 047110A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,513 sqft Living Area |
| 1st Floor Area | 1,513 sqft |
| Basement Area | 1,455 sqft |
| Finished Basement | 154 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 9,890 sqft |
| Lot Dimensions | 115 ft deep x 86 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 80 sqft |
| Patio Area | 272 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 047110A000 |
|---|---|
| Old Parcel Number | 047110A000 |
| Street Address | 3045 CHEROKEE LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | DUCHESNE HILLS #6 LOT 84 |
| Legal Range | 05E |
| Legal Township | 47N |
| Legal Subdivision | DUCHESNE HILLS #6 |
| Legal Lot Number | 84 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 310301 |
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3045 CHEROKEE LN, SAINT CHARLES, MO 63301-0604 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 14, 2025 | Beneficiary Deed, Transfer |
| Mar 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU |
| Aug 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SOLUTIONS OF ST LOUIS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2025 |
| Deed Sale | Apr 25, 2025 |
| Prior Sale | Aug 22, 2022 |
| Deed Document Number | 0000016670 |
| Last Transfer Date | Oct 14, 2025 |
| Transfer Doc | 0000045737 |
| Record Updated | Jun 8, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 14, 2025 |
| Property Address | 3045 CHEROKEE LN, SAINT CHARLES, MO 63301-0604 |
| Document Number | 0000045737 |
| Map Reference | MB 16 PG 37 |
| Instrument Date | Oct 9, 2025 |
| Instrument | 2025R-045737 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3045 CHEROKEE LN, SAINT CHARLES, MO 63301-0604 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3045 CHEROKEE LN, SAINT CHARLES, MO 63301-0604 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3045 CHEROKEE LN, SAINT CHARLES, MO 63301-0604 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Title Company | CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 3045 CHEROKEE LN, SAINT CHARLES, MO 63301-0604 |
| Document Number | 0000027348 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 2021R-027348 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 22, 2022 |
| Property Address | 3045 CHEROKEE LN, SAINT CHARLES, MO 63301-0604 |
| Document Number | 0000046154 |
| Map Reference | MB 16 PG 37 |
| Instrument Date | Aug 16, 2022 |
| Instrument | 2022R-046154 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | NOT AVAILABLE, UST |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3054 CHEROKEE LN, SAINT CHARLES, MO 63301-0605 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3045 CHEROKEE LN, SAINT CHARLES, MO 63301-0604 |
| Investor | Possibly a Property Investor |
| Document Number | 0000046155 |
|---|---|
| Date | Aug 22, 2022 |
| Instrument | 2022R-046155 |
| Name | MORTGAGE SOLUTIONS OF ST LOUIS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
Source: St. Charles County assessment roll, as of July 1, 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 | $3,304.00 | $52,712 (+1.25%) | $277,433 (+1.25%) Land $50,000 Building $227,433 |
| 2023 | $52,062 | ||
| 2022 | $274,013 Land $50,000 Building $224,013 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 | 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 387 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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