436 Canary Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 436 Canary Ln, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,012 sqft · built 1972
Lot Size	0.193 acres (8,400 sqft)
Owner	Individual Name on Record
Last Sale	$276,000 (May 2026)
Tax Bill	$2,330 (2023)
Deeds & Mortgages	May 2026 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040000A000`

Property Details

APN / Parcel Number

Primary APN	`040000A000`
Alternative APN	`6-0005-4011-00-0291.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,012 sqft Living Area
Gross Area	2,620 sqft
1st Floor Area	1,112 sqft
Basement Area	1,040 sqft
Finished Basement	900 sqft
Unfinished Basement	140 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Bi-Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	104 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	040000A000
Street Address	436 CANARY LN
City	SAINT CHARLES
State	MO
Zip	63301-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	CARDINAL WOOD #6 LOT 291
Legal Subdivision	CARDINAL WOOD #6
Legal Lot Number	291
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2018
Census Tract	310602

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 Record	Individual Name on Record
Mailing Address	436 CANARY LN, SAINT CHARLES, MO 63301-1237
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Jun 18, 2020	Deed of Trust, Mortgage MR COOPER
Jun 19, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	Jun 19, 2017 · Amount on Record
Deed Document Number	202622630
Prior Transfer Date	Oct 19, 2005
Prior Transfer Doc	0043241673
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 14, 2026
Property Address	436 CANARY LN, SAINT CHARLES, MO 63301-1237
Document Number	0000022630
Instrument Date	May 8, 2026
Instrument	202622630
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	SELECT TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	436 CANARY LN, SAINT CHARLES, MO 63301-1237

Mortgage

Document Number	0000022631,
Date	May 14, 2026
Instrument	202622631

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	436 CANARY LN, SAINT CHARLES, MO 63301-1237
Document Number	0073282005
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	436 CANARY LN ST CHARLES MO 633011237, ST CHARLES, MO 63301-1237

Mortgage

Document Number	0073282005
Date	Jun 25, 2020
Book Page	007328/002005
Instrument	433970

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 24, 2035

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 19, 2017
Property Address	436 CANARY LN, SAINT CHARLES, MO 63301-1237
Document Number	0067610677
Book / Page	6761 / 0677
Map Reference	MB 10 PG 3
Instrument Date	May 15, 2017
Instrument	20170619000372700
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 DUNHAM CT, 108, SAINT CHARLES, MO 63304-5504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	436 CANARY LN, SAINT CHARLES, MO 63301-1237

Mortgage

Document Number	20170619000372710
Date	Jun 19, 2017
Instrument	20170619000372710

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$38,842 (-)	$204,431 (-) Land $50,000 Building $154,431
2025		$38,842 (+7.23%)	$204,431 (+7.23%) Land $50,000 Building $154,431
2023	$2,330.00	$36,223
2022			$190,645 Land $50,000 Building $140,645

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	71 (1979–2022)
Claims Outside the SFHA	11 of 71
Most Recent Claim	Jul 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 Risk	Low lower than 98% of the US · lower than 96% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	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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