St. Charles County property record for 401 Katy Ln, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,571 sqft · built 1994 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Jul 2018) |
| Tax Bill | $5,123 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A953000719 |
| Primary APN | A953000719 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,571 sqft Living Area |
| Gross Area | 4,456 sqft |
| 1st Floor Area | 1,350 sqft |
| Basement Area | 1,221 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 664 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 168 sqft |
| Deck Area | Deck Area |
| Patio Area | 412 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953000719 |
|---|---|
| Street Address | 401 KATY LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6277 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HUNTLEIGH MEADOWS #1 LOT 109 |
| Legal Subdivision | HUNTLEIGH MEADOWS #1 |
| Legal Lot Number | 109 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 311145 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 401 KATY LN, SAINT CHARLES, MO 63303-6277 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Nov 21, 2020 | Deed of Trust, Mortgage BANK OF AMERICA |
| Jul 5, 2018 | Warranty Deed, Transfer BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 5, 2018 · Amount on Record |
| Deed Sale | Jul 5, 2018 · Amount on Record |
| Prior Sale | Jul 15, 1998 · Amount on Record |
| Deed Document Number | 2018376890 |
| Deed Book / Page | 6943 / 2280 |
| Prior Transfer Date | Jul 1, 1998 |
| Prior Transfer Doc | 0000061959 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 17, 2026 |
| Property Address | 401 KATY LN, SAINT CHARLES, MO 63303-6277 |
| Document Number | 0000033639 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 202633639 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 401 KATY LN, SAINT CHARLES, MO 63303-6277 |
| Document Number | 0000033639, |
|---|---|
| Date | Jul 17, 2026 |
| Instrument | 202633639 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 8, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 401 KATY LN, SAINT CHARLES, MO 63303-6277 |
| Document Number | 0000092904 |
| Instrument Date | Nov 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 401 KATY LN ST CHARLES MO 633036277, ST CHARLES, MO 63303-6277 |
| Document Number | 0000092904 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 92904 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 29, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 5, 2018 |
| Property Address | 401 KATY LN, SAINT CHARLES, MO 63303-6277 |
| Document Number | 0069432280 |
| Book / Page | 006943 / 002280 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 376890 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2018 |
| Title Company | FREEDOM TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 401 KATY LN ST CHARLES MO 633036277, ST CHARLES, MO 63303-6277 |
| Document Number | 69432282 |
|---|---|
| Date | Jul 5, 2018 |
| Book Page | 006943/002282 |
| Instrument | 376900 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 4, 2048 |
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $85,463 (-) | $449,808 (-) Land $88,000 Building $361,808 | |
| 2025 | $5,123.00 | $85,463 (+9.18%) | $449,808 (+9.18%) Land $88,000 Building $361,808 |
| 2023 | $78,279 | ||
| 2022 | $411,995 Land $66,000 Building $345,995 |
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 |
|---|---|
| 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 94% of the US · lower than 92% 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 | 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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