409 Katy Ln, Saint Charles, MO 63303 Property Records

St. Charles County property record for 409 Katy Ln, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,433 sqft · built 1995
Lot Size	0.21 acres (9,148 sqft)
Owner	Company Name on Record
Last Sale	$151,600 (Dec 1998)
Tax Bill	$5,092 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A953000717`

Property Details

APN / Parcel Number

Primary APN	`A953000717`
Alternative APN	`3-0119-7090-00-0107.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,433 sqft Living Area
Gross Area	4,168 sqft
1st Floor Area	1,300 sqft
Basement Area	1,260 sqft
Finished Basement	945 sqft
Unfinished Basement	315 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	210 sqft
Deck Area	Deck Area
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A953000717
Street Address	409 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 107
Legal Subdivision	HUNTLEIGH MEADOWS #1
Legal Lot Number	107
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	3
Census Block	3007
Census Tract	311145

Owner

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	Company Name on Record
Mailing Address	409 KATY LN, SAINT CHARLES, MO 63303-6277
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 1998 · Amount on Record
Deed Sale	Dec 1, 1998 · Amount on Record
Prior Sale	Jan 24, 1997 · Amount on Record
Deed Document Number	199894554
Deed Book / Page	2166 / 643
Last Transfer Date	Jul 6, 2001
Transfer Doc	0000056973
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	409 KATY LN, SAINT CHARLES, MO 63303-6277
Transaction Type	Mortgage
Record Updated	Feb 28, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 KATY LN, SAINT CHARLES, MO 63303-6277

Mortgage

Document Number	0000008336
Date	Feb 10, 2022
Instrument	2022R-008336

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$84,943 (-)	$447,071 (-) Land $88,000 Building $359,071
2025	$5,092.00 (+5.91%)	$84,943 (+9.15%)	$447,071 (+9.15%) Land $88,000 Building $359,071
2024	$4,808.00
2023		$77,824
2022			$409,600 Land $66,000 Building $343,600

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

Flood

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	Flooding, Jun 2011 · 2 claims Severe Storms, Tornadoes, Flooding, Apr 1994 · 2 claims Severe Storms & Flooding, Aug 1993 · 13 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

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.

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 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