34 Shady Meadow Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 34 Shady Meadow Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,080 sqft · built 1997
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Sep 2003)
Tax Bill	$5,586 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit May 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`A973001514`

Property Details

APN / Parcel Number

Primary APN	`A973001514`
Alternative APN	`3-0112-7636-00-0381.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,080 sqft Living Area
Gross Area	4,790 sqft
1st Floor Area	1,750 sqft
Basement Area	1,330 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	170 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001514
Street Address	34 SHADY MEADOW CT
City	SAINT CHARLES
State	MO
Zip	63304-1215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	EMERALD PL #3 LOT 381
Legal Subdivision	EMERALD PL #3
Legal Lot Number	381
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2051
Census Tract	311114

Owner

34 Shady Meadow Ct is owned and occupied by two individuals who bought it in September 2003.

Source: St. Charles County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	34 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
May 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
May 24, 2021	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Mar 6, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Mar 6, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Apr 19, 2019	Deed of Trust, Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2003 · Amount on File
Deed Sale	Sep 9, 2003 · Amount on File
Prior Sale	Apr 23, 1998 · Amount on File
Deed Document Number	2003132480
Deed Book / Page	3629 / 111
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	34 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215

Mortgage

Document Number	0000039770
Date	Jul 18, 2022
Instrument	2022R-039770

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Jun 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	34 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
Transaction Type	Mortgage
Record Updated	May 25, 2022
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215

Mortgage

Document Number	0000026382
Date	May 9, 2022
Instrument	2022R-026382

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	34 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
Transaction Type	Mortgage
Record Updated	Jun 7, 2021
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215

Mortgage

Document Number	2021R044513
Date	May 24, 2021
Instrument	2021R-044513

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Apr 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	34 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
Document Number	0072492141
Instrument Date	Mar 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	34 SHADY MEADOW CT ST CHARLES MO 633041215, ST CHARLES, MO 63304-1215

Mortgage

Document Number	0072492141
Date	Mar 17, 2020
Book Page	007249/002141
Instrument	162310

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	34 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
Document Number	0000081072
Instrument Date	Mar 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	34 SHADY MEADOW CT ST CHARLES MO 633041215, ST CHARLES, MO 63304-1215

Mortgage

Document Number	0000081072
Date	Oct 23, 2020
Instrument	81072

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	34 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
Document Number	0070640298
Instrument Date	Apr 19, 2019
Transaction Type	Mortgage
Record Updated	May 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	34 SHADY MEADOW CT ST CHARLES MO 633041215, ST CHARLES, MO 63304-1215

Mortgage

Document Number	0070640298
Date	Apr 25, 2019
Book Page	007064/000298
Instrument	189770

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 34 Shady Meadow Ct was $5,586.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$94,347 (-)	$496,563 (-) Land $75,000 Building $421,563
2025	$5,586.00	$94,347	$496,563 Land $75,000 Building $421,563
2023		$84,222
2022			$443,275 Land $60,000 Building $383,275

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 34 Shady Meadow Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.

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
Nearby Flood Claims	2 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 2 claims

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 34 Shady Meadow 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 193 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

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