St. Charles County property record for 438 Pallardy Ln, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,548 sqft · built 2010 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $345,000 (Jul 2022) |
| Deeds & Mortgages | Aug 2022 Mortgage Jul 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | T040800275 |
| Primary APN | T040800275 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,548 sqft Living Area |
| Gross Area | 3,476 sqft |
| 1st Floor Area | 1,548 sqft |
| Basement Area | 1,548 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 8,276 sqft (0.19 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T040800275 |
|---|---|
| Street Address | 438 PALLARDY LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-5324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MONTCLAIR LOT 3-81 |
| Legal Subdivision | ENCLAVE AT MONTCLAIR |
| Legal Lot Number | 81 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311001 |
438 Pallardy Ln is owned and occupied by two individuals who bought it in July 2022.
Source: St. Charles County records, as of September 10, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 438 PALLARDY LN, SAINT CHARLES, MO 63303-5324 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GREAT SOUTHERN BANK |
| Jul 11, 2022 | Warranty Deed, Transfer INVESTORS TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2022 · Amount on File |
| Deed Sale | Jul 11, 2022 · Amount on File |
| Prior Sale | Nov 2, 2012 · Amount on File |
| Deed Document Number | 202238266 |
| Prior Transfer Date | Oct 25, 2012 |
| Prior Transfer Doc | 0000843740 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 438 PALLARDY LN, SAINT CHARLES, MO 63303-5324 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 438 PALLARDY LN, SAINT CHARLES, MO 63303-5324 |
| Document Number | 0000048075 |
|---|---|
| Date | Aug 30, 2022 |
| Instrument | 2022R-048075 |
| Name | GREAT SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, MO 65801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Sep 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 7.12% |
| Index | 1-Year CMT |
| Max Rate | 10.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 11, 2022 |
| Property Address | 438 PALLARDY LN, SAINT CHARLES, MO 63303-5324 |
| Document Number | 0000038266 |
| Map Reference | MB 40 PG 237 |
| Instrument Date | Jul 7, 2022 |
| Instrument | 2022R-038266 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 517 WOODMERE XING, SAINT CHARLES, MO 63303-0717 |
| Name | Verified Name |
|---|---|
| Address | 438 PALLARDY LN, SAINT CHARLES, MO 63303-5324 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $56,561 | $297,687 Land $75,000 Building $222,687 |
| 2023 | $51,765 | |
| 2022 | $272,446 Land $55,000 Building $217,446 |
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.
FEMA maps place 438 Pallardy Ln in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1978.
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 | 2 in force |
| Nearby Flood Claims | 36 (1978–2019) |
| Claims Outside the SFHA | 6 of 36 |
| Most Recent Claim | Jun 2019 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
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 risk around 438 Pallardy Ln 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 99.1% of the US · lower than 98.2% 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.
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 658 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
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