St. Charles County property record for 34 Red Cedar Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,351 sqft · built 1993 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,792 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jun 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A943001230 |
| Primary APN | A943001230 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,351 sqft Living Area |
| Gross Area | 3,088 sqft |
| 1st Floor Area | 1,375 sqft |
| Basement Area | 1,313 sqft |
| Finished Basement | 976 sqft |
| Unfinished Basement | 337 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 16 sqft |
| Deck Area | Deck Area |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A943001230 |
|---|---|
| Street Address | 34 RED CEDAR CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODLANDS PH2 #2 LOT 65 |
| Legal Subdivision | WOODLANDS PH2 PLAT 2 |
| Legal Lot Number | 65 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 311001 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 34 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Jun 2, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Feb 15, 2018 | Deed of Trust, Mortgage COMMERCE BANK |
| Feb 22, 2020 | Deed of Trust, Mortgage BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 18, 2006 |
| Transfer Doc | 0044961209 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 34 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2026 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 34 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Document Number | 0000013703 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 2026R-013703 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ROSA, CA 95401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 34 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2021 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 34 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Document Number | 2021R047320 |
|---|---|
| Date | Jun 2, 2021 |
| Instrument | 2021R-047320 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 26, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 34 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0068791411 |
|---|---|
| Date | Feb 15, 2018 |
| Book Page | 6879/1411 |
| Instrument | 20180215000083050 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Amount | Amount on Record |
|---|---|
| Term | 144 Months |
| Due | Feb 11, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 34 RED CEDAR CT, SAINT CHARLES, MO 63303-6700 |
| Document Number | 0072471681 |
| Instrument Date | Feb 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 34 RED CEDAR CT ST CHARLES MO 633036700, ST CHARLES, MO 63303-6700 |
| Document Number | 0072471681 |
|---|---|
| Date | Mar 12, 2020 |
| Book Page | 007247/001681 |
| Instrument | 154020 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | FORT WORTH, TX 76155 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Mar 11, 2030 |
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 | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $65,848 (-) | $346,569 (-) Land $66,000 Building $280,569 | |
| 2025 | $3,792.00 (+18.09%) | $65,848 (+21.76%) | $346,569 (+21.76%) Land $66,000 Building $280,569 |
| 2024 | $3,211.00 | ||
| 2023 | $54,078 | ||
| 2022 | $284,623 Land $55,000 Building $229,623 |
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 |
|---|---|
| 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 | 36 (1978–2019) |
| Claims Outside the SFHA | 6 of 36 |
| Most Recent Claim | Jun 2019 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
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 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% 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 276 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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