St. Charles County property record for 428 Concordia Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,386 sqft · built 1960 |
| Lot Size | 0.227 acres (9,900 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $170,900 (Dec 2019) |
| Tax Bill | $2,890 (2025) |
| Deeds & Mortgages | Dec 2019 Sale & Mortgage Mar 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 048920A000 |
| Primary APN | 048920A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,386 sqft Living Area |
| Gross Area | 2,940 sqft |
| 1st Floor Area | 1,386 sqft |
| Basement Area | 1,134 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,900 sqft (0.227 acres) |
| Lot Dimensions | 110 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 272 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 048920A000 |
|---|---|
| Street Address | 428 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 44 |
| Legal Subdivision | ELMWOOD MANOR #4 |
| Legal Block | 2 |
| Legal Lot Number | 44 |
| 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 13, 2025
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 | 428 CONCORDIA LN, SAINT CHARLES, MO 63301-4608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 23, 2019 | Warranty Deed, Transfer · FHA Mortgage MR COOPER |
| Mar 1, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2019 · Amount on Record |
| Deed Sale | Dec 23, 2019 · Amount on Record |
| Deed Document Number | 2019739920 |
| Deed Book / Page | 7204 / 890 |
| Prior Transfer Date | Mar 1, 2017 |
| Prior Transfer Doc | 0067060848 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 23, 2019 |
| Property Address | 428 CONCORDIA LN, SAINT CHARLES, MO 63301-4608 |
| Document Number | 0072040890 |
| Book / Page | 007204 / 000890 |
| Instrument Date | Dec 17, 2019 |
| Instrument | 739920 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2020 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 428 CONCORDIA LN ST CHARLES MO 633014608, ST CHARLES, MO 63301-4608 |
| Document Number | 72040892 |
|---|---|
| Date | Dec 23, 2019 |
| Book Page | 007204/000892 |
| Instrument | 739930 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 22, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 1, 2017 |
| Property Address | 428 CONCORDIA LN, SAINT CHARLES, MO 63301-4608 |
| Document Number | 0067060848 |
| Book / Page | 006706 / 000848 |
| Instrument Date | Mar 1, 2017 |
| Instrument | 127760 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2960 OAKMOOR DR ST CHARLES MO 633010392, ST CHARLES, MO 63301-0392 |
Source: St. Charles County assessment roll, as of August 13, 2025
| 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 |
|---|---|---|---|
| 2025 | $2,890.00 (+0.63%) | $46,040 (+3.06%) | $242,317 (+3.06%) Land $50,000 Building $192,317 |
| 2024 | $2,872.00 | ||
| 2023 | $44,675 | ||
| 2022 | $235,130 Land $50,000 Building $185,130 |
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 | Not rated no burnable land within 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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