414 Canary Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 414 Canary Ln, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,213 sqft · built 1972
Lot Size	0.212 acres (9,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Mar 2022)
Tax Bill	$3,100 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`039950A000`

Property Details

APN / Parcel Number

Primary APN	`039950A000`
Alternative APN	`6-0005-4011-00-0286.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,213 sqft Living Area
Gross Area	2,866 sqft
1st Floor Area	1,306 sqft
Basement Area	1,296 sqft
Finished Basement	907 sqft
Unfinished Basement	389 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,240 sqft (0.212 acres)
Lot Dimensions	120 ft deep x 77 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	162 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	039950A000
Street Address	414 CANARY LN
City	SAINT CHARLES
State	MO
Zip	63301-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	CARDINAL WOOD #6 LOT 286
Legal Subdivision	CARDINAL WOOD #6
Legal Lot Number	286
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2018
Census Tract	310602

Owner

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	414 CANARY LN, SAINT CHARLES, MO 63301-1237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST MID BANK & TRUST NA
Feb 25, 2022	Affidavit, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2022 · Amount on Record
Deed Sale	Mar 8, 2022 · Amount on Record
Prior Sale	Mar 8, 2022
Deed Document Number	202213697
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 8, 2022
Property Address	414 CANARY LN, SAINT CHARLES, MO 63301-1237
Document Number	0000013697
Map Reference	MB 10 PG 3
Instrument Date	Mar 4, 2022
Instrument	2022R-013697
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3228 BOWMAN RDG, SAINT CHARLES, MO 63301-0424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 CANARY LN, SAINT CHARLES, MO 63301-1237

Mortgage

Document Number	0000013698
Date	Mar 8, 2022
Instrument	2022R-013698

Lender

Name	FIRST MID BANK & TRUST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

February 2022: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	ST CHARLES MO
Recording Date	Feb 25, 2022
Property Address	414 CANARY LN, SAINT CHARLES, MO 63301-1237
Document Number	0000011092
Map Reference	MB 10 PG 3
Instrument Date	Feb 25, 2022
Instrument	2022R-011092
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 462, SAINT CHARLES, MO 63302-0462

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 CANARY LN, SAINT CHARLES, MO 63301-1237

Tax Assessment & Valuation

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	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$49,433 (-)	$260,173 (-) Land $50,000 Building $210,173
2025	$3,100.00	$49,433 (+7.73%)	$260,173 (+7.73%) Land $50,000 Building $210,173
2023		$45,888
2022			$241,515 Land $50,000 Building $191,515

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

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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	71 (1979–2022)
Claims Outside the SFHA	11 of 71
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 13 claims Flooding, Jun 2011 · 15 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 11 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 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 515 locations within half a mile, as of December 31, 2025

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

May also be available: i3 Broadband.

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