St. Charles County property record for 43 White Cedar Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,814 sqft · built 2013 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,160 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T051100028 |
| Primary APN | T051100028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,814 sqft Living Area |
| Basement Area | 1,814 sqft |
| Year Built | Built 2013 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T051100028 |
|---|---|
| Old Parcel Number | T051100028 |
| Street Address | 43 WHITE CEDAR CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-5035 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REDDINGTON OAKS #7 LOT 257 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | REDDINGTON OAKS #7 |
| Legal Lot Number | 257 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 311150 |
43 White Cedar Ct is owned and occupied by an individual who acquired it in July 2013.
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 43 WHITE CEDAR CT, SAINT CHARLES, MO 63304-5035 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE MORTGAGE INC |
| Sep 1, 2020 | Deed of Trust, Mortgage GUILD MTG |
| Mar 19, 2018 | Deed of Trust, Mortgage · Line of Credit ANHEUSER BUSCH EMPS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2013 |
| Deed Sale | Jul 8, 2013 |
| Prior Sale | Jul 8, 2013 |
| Deed Document Number | 0060522309 |
| Deed Book / Page | 6052 / 2309 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 43 WHITE CEDAR CT, SAINT CHARLES, MO 63304-5035 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0068052473 |
|---|---|
| Date | Sep 12, 2017 |
| Book Page | 6805/2473 |
| Instrument | 20170912000573740 |
| Name | CORNERSTONE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 43 WHITE CEDAR CT, SAINT CHARLES, MO 63304-5035 |
| Document Number | 0000068927 |
| Instrument Date | Sep 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 43 WHITE CEDAR CT ST CHARLES MO 633045035, ST CHARLES, MO 63304-5035 |
| Document Number | 0000068927 |
|---|---|
| Date | Sep 17, 2020 |
| Instrument | 68927 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 16, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 43 WHITE CEDAR CT, SAINT CHARLES, MO 63304-5035 |
| Document Number | 0068960533 |
| Instrument Date | Mar 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2018 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 43 WHITE CEDAR CT ST CHARLES MO 633045035, ST CHARLES, MO 63304-5035 |
| Document Number | 0068960533 |
|---|---|
| Date | Mar 26, 2018 |
| Book Page | 006896/000533 |
| Instrument | 159160 |
| Name | ANHEUSER BUSCH EMPS CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63118 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 25, 2043 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 43 White Cedar Ct was $4,160.
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,160.00 | $70,139 | $369,150 Land $70,000 Building $299,150 |
| 2023 | $63,517 | ||
| 2022 | $334,301 Land $55,000 Building $279,301 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 White Cedar Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 43 White Cedar Ct is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 470 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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