St. Charles County property record for 404 Katy Ln, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,600 sqft · built 1995 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $570,000 (Sep 2023) |
| Tax Bill | $5,507 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Sep 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A953000680 |
| Primary APN | A953000680 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,600 sqft Living Area |
| Gross Area | 4,442 sqft |
| 1st Floor Area | 1,368 sqft |
| Basement Area | 1,221 sqft |
| Finished Basement | 1,011 sqft |
| Unfinished Basement | 210 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 632 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Patio Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953000680 |
|---|---|
| Street Address | 404 KATY LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6278 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HUNTLEIGH MEADOWS #1 LOT 39 |
| Legal Subdivision | HUNTLEIGH MEADOWS #1 |
| Legal Lot Number | 39 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 311145 |
Source: St. Charles County records, as of September 10, 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 | 404 KATY LN, SAINT CHARLES, MO 63303-6278 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 8, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 5, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| May 22, 2023 | Warranty Deed, Transfer ONW WEST ASSOCIATES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2023 · Amount on Record |
| Deed Sale | Sep 5, 2023 · Amount on Record |
| Prior Sale | May 22, 2023 · Amount on Record |
| Deed Document Number | 202336293 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 404 KATY LN, SAINT CHARLES, MO 63303-6278 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 404 KATY LN, SAINT CHARLES, MO 63303-6278 |
| Document Number | 0000044909 |
|---|---|
| Date | Oct 8, 2025 |
| Instrument | 2025R-044909 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 5, 2023 |
| Property Address | 404 KATY LN, SAINT CHARLES, MO 63303-6278 |
| Document Number | 0000036293 |
| Map Reference | MB 31 PG 371 |
| Instrument Date | Aug 30, 2023 |
| Instrument | 2023R-036293 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 194 HARBOR VIEW DR, LAKE SAINT LOUIS, MO 63367-2928 |
| Name | Verified Name |
|---|---|
| Address | 404 KATY LN, SAINT CHARLES, MO 63303-6278 |
| Document Number | 0000036294 |
|---|---|
| Date | Sep 5, 2023 |
| Instrument | 2023R-036294 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 404 KATY LN, SAINT CHARLES, MO 63303-6278 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2023 |
| Name | Verified Name |
|---|---|
| Address | 404 KATY LN, SAINT CHARLES, MO 63303-6278 |
| Document Number | 0000071189 |
|---|---|
| Date | Sep 24, 2020 |
| Instrument | 2020R-071189 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 22, 2023 |
| Property Address | 404 KATY LN, SAINT CHARLES, MO 63303-6278 |
| Document Number | 0000019300 |
| Map Reference | MB 31 PG 371 |
| Instrument Date | May 17, 2023 |
| Instrument | 2023R-019300 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | TRUE TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1390 MEINERSHAGEN RD, FORISTELL, MO 63348-1701 |
| Name | Verified Name |
|---|---|
| Address | 194 HARBOR VIEW DR, LAKE ST LOUIS, MO 63367-2928 |
| Document Number | 0000019301 |
|---|---|
| Date | May 22, 2023 |
| Instrument | 2023R-019301 |
| Name | ONW WEST ASSOCIATES INC |
|---|---|
| Type | Non-Lending Institution |
| Address | SAINT LOUIS, MO 63131 |
| Amount | Amount Recorded |
|---|
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 | $91,904 (-) | $483,705 (-) Land $88,000 Building $395,705 | |
| 2025 | $5,507.00 | $91,904 (+8.42%) | $483,705 (+8.42%) Land $88,000 Building $395,705 |
| 2023 | $84,764 | ||
| 2022 | $446,126 Land $66,000 Building $380,126 |
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 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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