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

St. Charles County property record for 40 Shady Meadow Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,874 sqft · built 1999
Lot Size	0.44 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$52,416 (Apr 2023)
Tax Bill	$6,031 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A973001520`

Property Details

APN / Parcel Number

Primary APN	`A973001520`
Alternative APN	`3-0112-7636-00-0387.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,874 sqft Living Area
Gross Area	4,994 sqft
1st Floor Area	1,774 sqft
Basement Area	1,310 sqft
Finished Basement	790 sqft
Unfinished Basement	520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	19,166 sqft (0.44 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	185 sqft
Patio Area	450 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001520
Street Address	40 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 387
Legal Subdivision	EMERALD PL #3
Legal Lot Number	387
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2051
Census Tract	311114

Owner

40 Shady Meadow Ct is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	40 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
Apr 24, 2023	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jul 18, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2023 · Amount on File
Deed Sale	Apr 24, 2023 · Amount on File
Prior Sale	Jul 18, 2019 · Amount on File
Deed Document Number	202315279
Prior Transfer Date	Apr 14, 2023
Prior Transfer Doc	0000015279
Record Updated	Oct 29, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Apr 24, 2023
Property Address	40 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
Document Number	0000015279
Map Reference	MB 33 PG 359
Instrument Date	Apr 14, 2023
Instrument	2023R-015279
Transaction Type	Transfer
Record Updated	May 8, 2023
Title Company	VYLLA TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215

Mortgage

Document Number	0000015280
Date	Apr 24, 2023
Instrument	2023R-015280

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2038

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 18, 2019
Property Address	40 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
Document Number	0071070939
Book / Page	007107 / 000939
Instrument Date	Jul 15, 2019
Instrument	366290
Transaction Type	Transfer
Record Updated	Aug 8, 2019
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SHADY MEADOW CT ST CHARLES MO 633041215, ST CHARLES, MO 63304-1215

Mortgage

Document Number	71070941
Date	Jul 18, 2019
Book Page	007107/000941
Instrument	366300

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 40 Shady Meadow Ct was $6,031, up 11% from the year before.

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		$101,891 (-)	$536,270 (-) Land $75,000 Building $461,270
2025	$6,031.00 (+11.01%)	$101,891	$536,270 Land $75,000 Building $461,270
2024	$5,433.00
2023		$91,175 (+23.34%)
2022	$4,742.00	$73,924	$479,871 (+23.34%) Land $60,000 Building $419,871
2021			$389,074 Land $60,000 Building $329,074

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

Flood

FEMA maps place 40 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 40 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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