St. Charles County property record for 38 Cedarview Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,756 sqft · built 1980 |
| Lot Size | 0.99 acres (43,124 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $236,700 (Oct 2021) |
| Tax Bill | $4,171 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Feb 2024 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 513300B004 |
| Primary APN | 513300B004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,756 sqft Living Area |
| Gross Area | 3,672 sqft |
| 1st Floor Area | 1,756 sqft |
| Basement Area | 1,476 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,124 sqft (0.99 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 108 sqft |
| Deck Area | Deck Area |
| Patio Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 513300B004 |
|---|---|
| Street Address | 38 CEDARVIEW CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | CEDARWOOD EST LOT 5 |
| Legal Subdivision | CEDARWOOD EST #1 |
| Legal Lot Number | 5 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 311145 |
Source: St. Charles County records, as of June 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 38 CEDARVIEW CT, SAINT CHARLES, MO 63303-6022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 18, 2026 | Deed of Trust, Mortgage · Line of Credit COMMUNITY ED FEDERAL CREDIT UNION |
| Feb 29, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ELECTRO SAVINGS CU |
| Sep 26, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ELECTRO SAVINGS CU |
| Oct 4, 2021 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2021 · Amount on Record |
| Deed Sale | Oct 4, 2021 · Amount on Record |
| Prior Sale | Jul 18, 2019 |
| Deed Document Number | 202182380 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 18, 2026 |
| Property Address | 38 CEDARVIEW CT, SAINT CHARLES, MO 63303-6022 |
| Document Number | 0000028631 |
| Instrument Date | Jun 8, 2026 |
| Instrument | 202628631 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 38 CEDARVIEW CT, SAINT CHARLES, MO 63303-6022 |
| Document Number | 0000028631, |
|---|---|
| Date | Jun 18, 2026 |
| Instrument | 202628631 |
| Name | COMMUNITY ED FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 15, 2051 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 38 CEDARVIEW CT, SAINT CHARLES, MO 63303-6022 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 38 CEDARVIEW CT, SAINT CHARLES, MO 63303-6022 |
| Document Number | 0000007726 |
|---|---|
| Date | Feb 29, 2024 |
| Instrument | 2024R-007726 |
| Name | ELECTRO SAVINGS CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63146 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 23, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 38 CEDARVIEW CT, SAINT CHARLES, MO 63303-6022 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 38 CEDARVIEW CT, SAINT CHARLES, MO 63303-6022 |
| Document Number | 0000052673 |
|---|---|
| Date | Sep 26, 2022 |
| Instrument | 2022R-052673 |
| Name | ELECTRO SAVINGS CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63146 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 2, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 4, 2021 |
| Property Address | 38 CEDARVIEW CT, SAINT CHARLES, MO 63303-6022 |
| Document Number | 2021R082380 |
| Map Reference | MB 20 PG 126 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 2021R-082380 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2021 |
| Title Company | NOT AVAILABLE, UST |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1506 HIGHLAND FARMS CT, 1506, WENTZVILLE, MO 63385-5536 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 102 KEENEY DR, SAINT CHARLES, MO 63304-5538 |
| Document Number | 2021R082381 |
|---|---|
| Date | Oct 4, 2021 |
| Instrument | 2021R-082381 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,171.00 (+18.13%) | $69,499 (+21.86%) | $365,786 (+21.86%) Land $71,500 Building $294,286 |
| 2024 | $3,531.00 (+16.04%) | ||
| 2023 | $57,032 (+25.18%) | ||
| 2022 | $3,043.00 | $45,561 | $300,168 (+25.18%) Land $71,500 Building $228,668 |
| 2021 | $239,796 Land $60,500 Building $179,296 |
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.
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 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 46 (1978–2024) |
| Claims Outside the SFHA | 28 of 46 |
| Most Recent Claim | Jul 2024 · rainfall accumulation |
| 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 99.1% of the US · lower than 98.2% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 294 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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