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425 Canary Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 425 Canary Ln, Saint Charles, MO 63301

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,838 sqft · built 1966
Lot Size0.193 acres (8,400 sqft)
Owner2 Individual Names on Record
Last Sale$153,400 (Sep 2019)
Tax Bill$2,606 (2025)
Deeds & MortgagesSep 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN040090A000

Property Details

APN / Parcel Number

Primary APN040090A000
Alternative APN
  • 6-0005-4011-00-0300.0000000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,838 sqft Living Area
Gross Area2,346 sqft
1st Floor Area1,050 sqft
Basement Area1,008 sqft
Finished Basement788 sqft
Unfinished Basement220 sqft

Exterior

Year BuiltBuilt 1966
Effective Year BuiltEffective 1966
Architectural StyleRanch
Exterior MaterialBrick/Stone
Roof TypeGable
Roof MaterialAsphalt
Lot Area8,400 sqft (0.193 acres)
Lot Dimensions120 ft deep x 70 ft wide
Garage TypeAttached
Garage Area288 sqft
Parking Spaces1 Parking Space
PorchOpen Porch
Porch Area104 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account Number040090A000
Street Address425 CANARY LN
CitySAINT CHARLES
StateMO
Zip63301-3901
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAF0
Legal DescriptionCARDINAL WOOD #6 LOT 300
Legal SubdivisionCARDINAL WOOD #6
Legal Lot Number300
JurisdictionST CHARLES MO
Township / Civil DivisionLINDENWOOD
Census Block Group2
Census Block2019
Census Tract310602

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 Record2 Individual Names on Record
Mailing Address425 CANARY LN, SAINT CHARLES, MO 63301-3901
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 13, 2019 · Amount on Record
Deed SaleSep 13, 2019 · Amount on Record
Prior SaleFeb 26, 2015 · Amount on Record
Deed Document Number2019500750
Deed Book / Page7142 / 177
Prior Transfer DateSep 5, 2019
Prior Transfer Doc0071420177
Record UpdatedOct 29, 2026

September 2019: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST CHARLES MO
Recording DateSep 13, 2019
Property Address425 CANARY LN, SAINT CHARLES, MO 63301-3901
Document Number0071420177
Book / Page7142 / 0177
Map ReferenceMB 10 PG 3
Instrument DateSep 5, 2019
Instrument20190913000500750
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyFREEDOM TITLE

Transaction

Tax$0.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address425 CANARY LN, SAINT CHARLES, MO 63301-3901

Mortgage

Document Number20190913000500760
DateSep 13, 2019
Instrument20190913000500760
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2049

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictSt. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$41,464 (-)$218,229 (-) Land $50,000 Building $168,229
2025$2,606.00 (+4.87%)$41,464 (+7.43%)$218,229 (+7.43%) Land $50,000 Building $168,229
2024$2,485.00
2023$38,597
2022$203,141 Land $50,000 Building $153,141

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 16 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims71 (1979–2022)
Claims Outside the SFHA11 of 71
Most Recent ClaimJul 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 RiskNot rated
no burnable land within 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 SystemST CHARLES PWS
serves 78,961 people · EPA ID MO6010707
Water SourcePurchased surface water from several systems
Last State InspectionOct 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 256 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		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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