420 Canary Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 420 Canary Ln, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,890 sqft · built 1972
Lot Size	0.209 acres (9,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$263,610 (Aug 2026)
Tax Bill	$2,625 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`039960A000`

Property Details

APN / Parcel Number

Primary APN	`039960A000`
Alternative APN	`6-0005-4011-00-0287.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,890 sqft Living Area
Gross Area	2,646 sqft
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,120 sqft (0.209 acres)
Lot Dimensions	120 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	104 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	039960A000
Street Address	420 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 287 & NE 1.45LOT 288
Legal Subdivision	CARDINAL WOOD #6
Legal Lot Number	287
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 11, 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	1609 SUMMERGATE PKWY, SAINT PETERS, MO 63303-6387
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2026	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK
Nov 3, 2022	Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP
Mar 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2026 · Amount on Record
Deed Sale	Aug 13, 2026 · Amount on Record
Prior Sale	Nov 3, 2022 · Amount on Record
Deed Document Number	202638583
Prior Transfer Date	Oct 6, 2004
Prior Transfer Doc	0000966250
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 13, 2026
Property Address	420 CANARY LN, SAINT CHARLES, MO 63301-1237
Document Number	0000038583
Instrument Date	Aug 10, 2026
Instrument	202638583
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 SUMMERGATE PKWY, SAINT PETERS, MO 63303-6387

Mortgage

Document Number	0000038584,
Date	Aug 13, 2026
Instrument	202638584

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 3, 2022
Property Address	420 CANARY LN, SAINT CHARLES, MO 63301-1237
Document Number	0000059941
Map Reference	MB 10 PG 3
Instrument Date	Nov 2, 2022
Instrument	2022R-059941
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	3417 CALIFORNIA AVE, SAINT LOUIS, MO 63118-3009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 CANARY LN, SAINT CHARLES, MO 63301-1237

Mortgage

Document Number	0000059942
Date	Nov 3, 2022
Instrument	2022R-059942

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

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

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 8, 2021
Property Address	420 CANARY LN, SAINT CHARLES, MO 63301-1237
Document Number	0000020036
Map Reference	MB 10 PG 3
Instrument Date	Mar 5, 2021
Instrument	2021R-020036
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 CANARY LN, SAINT CHARLES, MO 63301-1237

Mortgage

Document Number	0000020038
Date	Mar 8, 2021
Instrument	2021R-020038

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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		$41,783 (-)	$219,912 (-) Land $50,000 Building $169,912
2025	$2,625.00 (+5.85%)	$41,783 (+8.49%)	$219,912 (+8.49%) Land $50,000 Building $169,912
2024	$2,480.00
2023		$38,512
2022			$202,697 Land $50,000 Building $152,697

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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