4 Amber Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 4 Amber Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,350 sqft · built 1973
Lot Size	0.178 acres (7,738 sqft)
Owner	Individual Name on Record
Tax Bill	$2,281 (2025)
Deeds & Mortgages	Sep 2025 Transfer May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145137A000`

Property Details

APN / Parcel Number

Primary APN	`145137A000`
Alternative APN	`6-0013-5087-00-0048.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,350 sqft Living Area
Gross Area	1,888 sqft
1st Floor Area	800 sqft
Basement Area	800 sqft
Finished Basement	550 sqft
Unfinished Basement	250 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Bi-Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,738 sqft (0.178 acres)
Lot Dimensions	106 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	160 sqft
Deck Area	Deck Area
Patio Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	145137A000
Street Address	4 AMBER CT
City	SAINT CHARLES
State	MO
Zip	63303-5001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SHADOW WOOD LOT 48
Legal Subdivision	SHADOW WOOD
Legal Lot Number	48
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	3
Census Block	3008
Census Tract	310902

Owner

Source: St. Charles County records, as of October 7, 2025

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	4 AMBER CT, SAINT CHARLES, MO 63303-5001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Quit Claim Deed, Transfer Quitclaim
May 10, 2021	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2025
Deed Sale	Sep 26, 2025
Prior Sale	May 10, 2021 · Amount on Record
Deed Document Number	202542744
Prior Transfer Date	Nov 17, 2014
Prior Transfer Doc	0062680634
Record Updated	Jun 8, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 26, 2025
Property Address	4 AMBER CT, SAINT CHARLES, MO 63303-5001
Document Number	0000042744
Map Reference	MB 19 PG 54
Instrument Date	Sep 16, 2025
Instrument	2025R-042744
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1511 LOCUST ST APT 205, 205, SAINT LOUIS, MO 63103-1843

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 AMBER CT, SAINT CHARLES, MO 63303-5001

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 10, 2021
Property Address	4 AMBER CT, SAINT CHARLES, MO 63303-5001
Document Number	2021R040676
Map Reference	MB 19 PG 54
Instrument Date	May 6, 2021
Instrument	2021R-040676
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	STATE LOUIS COMPANY TITLE (SLCTC), STL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2417 MAPLE TREE DR, 2417, SAINT CHARLES, MO 63303-4306

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 AMBER CT, SAINT CHARLES, MO 63303-5001

Mortgage

Document Number	2021R040677
Date	May 10, 2021
Instrument	2021R-040677

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Mortgage

Document Number	2021R040678
Date	May 10, 2021
Instrument	2021R-040678

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$2,281.00 (+10.19%)	$36,227 (+12.99%)	$190,667 (+12.99%) Land $66,000 Building $124,667
2024	$2,070.00
2023		$32,062
2022			$168,746 Land $66,000 Building $102,746

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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

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	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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: i3 Broadband, T-Mobile.

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