St. Charles County property record for 409 Concordia Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,540 sqft · built 1962 |
| Lot Size | 0.424 acres (18,486 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,499 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 049230A000 |
| Primary APN | 049230A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,540 sqft Living Area |
| Gross Area | 2,380 sqft |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Finished Basement | 500 sqft |
| Unfinished Basement | 540 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,486 sqft (0.424 acres) |
| Lot Dimensions | 117 ft deep x 158 ft wide |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 332 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 049230A000 |
|---|---|
| Street Address | 409 CONCORDIA LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | ELMWOOD MANOR #4 BLK 10 LOT 33 |
| Legal Subdivision | ELMWOOD MANOR #4 |
| Legal Block | 10 |
| Legal Lot Number | 33 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 310301 |
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 | 409 CONCORDIA LN, SAINT CHARLES, MO 63301-4607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 14, 2010 |
| Transfer Doc | 0054121782 |
| Record Updated | Sep 20, 2026 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $40,483 (-) | $213,067 (-) Land $50,000 Building $163,067 | |
| 2025 | $40,483 (+4.3%) | $213,067 (+4.3%) Land $50,000 Building $163,067 | |
| 2024 | $2,499.00 | ||
| 2023 | $38,815 | ||
| 2022 | $204,290 Land $50,000 Building $154,290 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 6 (1979–1983) |
| Most Recent Claim | May 1983 · tidal / storm surge |
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 | Not rated no burnable land within ember reach |
|---|
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 506 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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