43 Shady Meadow Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 43 Shady Meadow Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,940 sqft · built 1999
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Aug 2022)
Tax Bill	$4,628 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A973001523`

Property Details

APN / Parcel Number

Primary APN	`A973001523`
Alternative APN	`3-0112-7636-00-0390.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,940 sqft Living Area
Gross Area	4,622 sqft
1st Floor Area	1,940 sqft
Basement Area	1,850 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	192 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001523
Street Address	43 SHADY MEADOW CT
City	SAINT CHARLES
State	MO
Zip	63304-1215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	EMERALD PL #3 LOT 390
Legal Subdivision	EMERALD PL #3
Legal Lot Number	390
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2051
Census Tract	311114

Owner

43 Shady Meadow Ct is owned and occupied by two individuals who bought it in August 2022.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	43 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ENDEAVOR CAPITAL LLC
Aug 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Dec 18, 2020	Deed of Trust, Mortgage WELLS FARGO BK
Nov 19, 2018	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Dec 19, 2017	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2022 · Amount on File
Deed Sale	Aug 1, 2022 · Amount on File
Prior Sale	Aug 1, 2022 · Amount on File
Deed Document Number	202242387
Prior Transfer Date	Jul 25, 2022
Prior Transfer Doc	0000042386
Record Updated	Oct 29, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 1, 2022
Property Address	43 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
Document Number	0000042386
Map Reference	MB 33 PG 359
Instrument Date	Jul 25, 2022
Instrument	2022R-042386
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	43 SHADY MEADOW CT, 43, SAINT CHARLES, MO 63304-1215

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	43 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215

Mortgage

Document Number	0000042389
Date	Aug 1, 2022
Instrument	2022R-042389

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	43 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071330184
Date	Aug 29, 2019
Book Page	7133/0184
Instrument	20190829000464440

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	43 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
Document Number	0000004365
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Mar 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 SHADY MEADOW CT ST CHARLES MO 633041215, ST CHARLES, MO 63304-1215

Mortgage

Document Number	0000004365
Date	Jan 14, 2021
Instrument	4365

Lender

Name	WELLS FARGO BK
Type	Bank
Address	MINNEAPOLIS, SD 57104

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jan 13, 2041

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 19, 2018
Property Address	43 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
Document Number	0070041341
Book / Page	7004 / 1341
Map Reference	MB 33 PG 359
Instrument Date	Nov 9, 2018
Instrument	20181119000652130
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215

Mortgage

Document Number	20181119000652150
Date	Nov 19, 2018
Instrument	20181119000652150

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	43 SHADY MEADOW CT, SAINT CHARLES, MO 63304-1215
Document Number	0068600929
Book / Page	006860 / 000929
Instrument Date	Dec 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 4, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 SHADY MEADOW CT ST CHARLES MO 633041215, ST CHARLES, MO 63304-1215

Mortgage

Document Number	0068600929
Date	Dec 29, 2017
Book Page	006860/000929
Instrument	801610

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 43 Shady Meadow Ct was $4,628.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$78,082 (-)	$410,960 (-) Land $75,000 Building $335,960
2025	$4,628.00	$78,082	$410,960 Land $75,000 Building $335,960
2023		$70,377
2022			$370,406 Land $60,000 Building $310,406

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

FEMA maps place 43 Shady Meadow Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.

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
Nearby Flood Claims	2 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 2 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

Wildfire risk around 43 Shady Meadow Ct is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% 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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

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