445 Canary Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 445 Canary Ln, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,619 sqft · built 1970
Lot Size	0.167 acres (7,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$202,250 (Mar 2022)
Tax Bill	$2,533 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040040A000`

Property Details

APN / Parcel Number

Primary APN	`040040A000`
Alternative APN	`6-0005-4011-00-0295.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,619 sqft Living Area
Gross Area	2,297 sqft
1st Floor Area	1,197 sqft
Basement Area	528 sqft
Finished Basement	422 sqft
Unfinished Basement	106 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,272 sqft (0.167 acres)
Lot Dimensions	101 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	28 sqft
Deck Area	Deck Area
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	040040A000
Street Address	445 CANARY LN
City	SAINT CHARLES
State	MO
Zip	63301-3901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	CARDINAL WOOD #6 LOT 295
Legal Subdivision	CARDINAL WOOD #6
Legal Lot Number	295
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2019
Census Tract	310602

Owner

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

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	445 CANARY LN, SAINT CHARLES, MO 63301-3901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2022	Intrafamily Transfer, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 18, 2017	Affidavit of Death, Transfer CHESTERFIELD TITLE AGENCY LLC
Dec 18, 2017	Warranty Deed, Transfer · VA Mortgage FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2022 · Amount on Record
Deed Sale	Mar 1, 2022 · Amount on Record
Prior Sale	Dec 18, 2017 · Amount on Record
Deed Document Number	202211789
Prior Transfer Date	Feb 21, 2022
Prior Transfer Doc	0000011789
Record Updated	Oct 29, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 1, 2022
Property Address	445 CANARY LN, SAINT CHARLES, MO 63301-3901
Document Number	0000011789
Map Reference	MB 10 PG 3
Instrument Date	Feb 21, 2022
Instrument	2022R-011789
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 CANARY LN, SAINT CHARLES, MO 63301-3901

Mortgage

Document Number	0000011790
Date	Mar 1, 2022
Instrument	2022R-011790

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	445 CANARY LN, SAINT CHARLES, MO 63301-3901
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072770106
Date	Apr 23, 2020
Book Page	7277/106
Instrument	20200423000254130

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

December 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CHARLES MO
Recording Date	Dec 18, 2017
Property Address	445 CANARY LN, SAINT CHARLES, MO 63301-3901
Document Number	0068532413
Book / Page	006853 / 002413
Instrument Date	Dec 7, 2017
Instrument	776960
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	CHESTERFIELD TITLE AGENCY LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 CANARY LN ST CHARLES MO 633013901, ST CHARLES, MO 63301-3901

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 18, 2017
Property Address	445 CANARY LN, SAINT CHARLES, MO 63301-3901
Document Number	0068532419
Book / Page	006853 / 002419
Instrument Date	Dec 4, 2017
Instrument	776980
Transaction Type	Transfer
Record Updated	Jan 22, 2018
Title Company	CHESTERFIELD TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 CANARY LN ST CHARLES MO 633013901, ST CHARLES, MO 63301-3901

Mortgage

Document Number	68532423
Date	Dec 18, 2017
Book Page	006853/002423
Instrument	776990

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 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		$40,293 (-)	$212,071 (-) Land $50,000 Building $162,071
2025	$2,533.00	$40,293 (+4.56%)	$212,071 (+4.57%) Land $50,000 Building $162,071
2023		$38,534
2022			$202,812 Land $50,000 Building $152,812

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 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	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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