3056 Cherokee Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3056 Cherokee Ln, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,280 sqft · built 1975
Lot Size	0.211 acres (9,200 sqft)
Owner	2 Individual Names on File
Last Sale	$271,500 (Jul 2023)
Tax Bill	$2,891 (2025)
Deeds & Mortgages	Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`047040A000`

Property Details

APN / Parcel Number

Primary APN	`047040A000`
Alternative APN	`6-001C-4997-00-0031.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,280 sqft Living Area
Gross Area	2,720 sqft
1st Floor Area	1,280 sqft
Basement Area	1,040 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,200 sqft (0.211 acres)
Lot Dimensions	115 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	047040A000
Street Address	3056 CHEROKEE LN
City	SAINT CHARLES
State	MO
Zip	63301-0605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	DUCHESNE HILLS #6 LOT 31
Legal Subdivision	DUCHESNE HILLS #6
Legal Lot Number	31
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1000
Census Tract	310301

Owner

3056 Cherokee Ln is owned and occupied by two individuals who bought it in July 2023.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3056 CHEROKEE LN, SAINT CHARLES, MO 63301-0605
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2023 · Amount on File
Deed Sale	Jul 25, 2023 · Amount on File
Prior Sale	Oct 29, 2018
Deed Document Number	202329488
Prior Transfer Date	Oct 15, 2018
Prior Transfer Doc	0000615020
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 25, 2023
Property Address	3056 CHEROKEE LN, SAINT CHARLES, MO 63301-0605
Document Number	0000029488
Map Reference	MB 16 PG 37&38
Instrument Date	Jul 14, 2023
Instrument	2023R-029488
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 BERKSHIRE DR, SAINT CHARLES, MO 63301-4518

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3056 CHEROKEE LN, SAINT CHARLES, MO 63301-0605

Mortgage

Document Number	0000029489
Date	Jul 25, 2023
Instrument	2023R-029489

Lender

Name	CNB ST LOUIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 3056 Cherokee Ln was $2,891.

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		$46,062 (-)	$242,433 (-) Land $50,000 Building $192,433
2025	$2,891.00	$46,062	$242,433 Land $50,000 Building $192,433
2023		$42,059 (+26.94%)
2022	$2,285.00	$33,133	$221,362 (+26.94%) Land $50,000 Building $171,362
2021			$174,383 Land $40,000 Building $134,383

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

FEMA maps place 3056 Cherokee Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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.

Wildfire

Wildfire risk around 3056 Cherokee Ln 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 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.

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 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