St. Charles County property record for 420 Concordia Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,782 sqft · built 1962 |
| Lot Size | 0.215 acres (9,360 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $162,550 (Sep 2008) |
| Tax Bill | $2,907 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 048940A000 |
| Primary APN | 048940A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,782 sqft Living Area |
| Gross Area | 2,889 sqft |
| 1st Floor Area | 1,188 sqft |
| Basement Area | 1,188 sqft |
| Finished Basement | 594 sqft |
| Unfinished Basement | 594 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 | 9,360 sqft (0.215 acres) |
| Lot Dimensions | 117 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 513 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 302 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 048940A000 |
|---|---|
| Street Address | 420 CONCORDIA LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | ELMWOOD MANOR #4 BLK 2 LOT 46 |
| Legal Subdivision | ELMWOOD MANOR #4 |
| Legal Block | 2 |
| Legal Lot Number | 46 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1018 |
| 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 | 420 CONCORDIA LN, SAINT CHARLES, MO 63301-4608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2023 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Nov 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION |
| Feb 15, 2017 | Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2008 · Amount on Record |
| Deed Sale | Sep 2, 2008 · Amount on Record |
| Deed Document Number | 2008614640 |
| Deed Book / Page | 5043 / 70 |
| Prior Transfer Date | Aug 15, 2008 |
| Prior Transfer Doc | 0050430068 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 420 CONCORDIA LN, SAINT CHARLES, MO 63301-4608 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 420 CONCORDIA LN, SAINT CHARLES, MO 63301-4608 |
| Document Number | 0000018907 |
|---|---|
| Date | May 18, 2023 |
| Instrument | 2023R-018907 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 420 CONCORDIA LN, SAINT CHARLES, MO 63301-4608 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2021 |
| Name | Verified Name |
|---|---|
| Address | 420 CONCORDIA LN, SAINT CHARLES, MO 63301-4608 |
| Document Number | 2021R094862 |
|---|---|
| Date | Nov 18, 2021 |
| Instrument | 2021R-094862 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 420 CONCORDIA LN, SAINT CHARLES, MO 63301-4608 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0066992452 |
|---|---|
| Date | Feb 15, 2017 |
| Book Page | 6699/2452 |
| Instrument | 20170215000099330 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | CERRITOS, CA 90703 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
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 | $46,323 (-) | $243,807 (-) Land $50,000 Building $193,807 | |
| 2025 | $2,907.00 (+5.06%) | $46,323 (+7.65%) | $243,807 (+7.65%) Land $50,000 Building $193,807 |
| 2024 | $2,767.00 | ||
| 2023 | $43,032 | ||
| 2022 | $226,486 Land $50,000 Building $176,486 |
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.
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 | Low lower than 99.1% of the US · lower than 98.2% 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.
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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