405 Sawgrass Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 405 Sawgrass Ct, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,056 sqft · built 2022
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$356,542 (Jan 2023)
Tax Bill	$5,051 (2025)
Deeds & Mortgages	Jan 2023 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T230500059`

Property Details

APN / Parcel Number

Primary APN	`T230500059`
Alternative APN	`5-116B-D230-00-0197.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,056 sqft Living Area
Gross Area	3,084 sqft
Basement Area	1,028 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T230500059
Street Address	405 SAWGRASS CT
City	SAINT CHARLES
State	MO
Zip	63301-3813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE LANDING #9 LOT 197
Legal Subdivision	CHARLESTOWNE LANDING #9
Legal Lot Number	197
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	4
Census Block	4002
Census Tract	310201

Owner

405 Sawgrass Ct is owned and occupied by two individuals who bought it in January 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 SAWGRASS CT, SAINT CHARLES, MO 63301-3813
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2023 · Amount on File
Deed Sale	Jan 4, 2023 · Amount on File
Deed Document Number	2023345
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 4, 2023
Property Address	405 SAWGRASS CT, SAINT CHARLES, MO 63301-3813
Document Number	0000000345
Map Reference	DOC 2022R-024981
Instrument Date	Dec 30, 2022
Instrument	2023R-000345
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17415 N OUTER 40 RD, CHESTERFIELD, MO 63005-1320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 SAWGRASS CT, SAINT CHARLES, MO 63301-3813

Mortgage

Document Number	0000000346
Date	Jan 4, 2023
Instrument	2023R-000346

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 405 Sawgrass Ct was $5,051.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$68,997 (-)	$363,142 (-) Land $66,600 Building $296,542
2025	$5,051.00	$68,997	$363,142 Land $66,600 Building $296,542
2023		$67,743	$356,542 Land $60,000 Building $296,542

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.

Flood

FEMA maps place 405 Sawgrass Ct in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, 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

Wildfire risk around 405 Sawgrass 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 98% of the US · lower than 96% 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 564 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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