St. Charles County property record for 458 Fall River Ln, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,960 sqft · built 2012 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $256,500 (Nov 2017) |
| Tax Bill | $3,400 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T082700107 |
| Primary APN | T082700107 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,960 sqft Living Area |
| Basement Area | 840 sqft |
| Year Built | Built 2012 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Composition/Composite |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T082700107 |
|---|---|
| Old Parcel Number | T082700107 |
| Street Address | 458 FALL RIVER LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-8501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FALL RIVERS ESTS LOT 9 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | FALL RIVERS ESTS |
| Legal Lot Number | 9 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311221 |
Source: St. Charles County records · APN T082700107
Assessment roll updated July 1, 2025 · Last verified March 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 File |
|---|---|
| Mailing Address | 458 FALL RIVER LN, COTTLEVILLE, MO 63304-8501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2022 | Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU |
| Nov 03, 2017 | Warranty Deed, Transfer DAS ACQUISITION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 03, 2017 · Amount on Record |
| Deed Sale | Nov 03, 2017 · Amount on Record |
| Prior Sale | May 07, 2012 · Amount on Record |
| Deed Document Number | 0006834320 |
| Deed Book / Page | 6834 / 320 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 458 FALL RIVER LN, SAINT CHARLES, MO 63304-8501 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2022 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 458 FALL RIVER LN, SAINT CHARLES, MO 63304-8501 |
| Document Number | 0000057295 |
|---|---|
| Date | Oct 19, 2022 |
| Instrument | 2022R-057295 |
| Name | WEST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 01, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 03, 2017 |
| Property Address | 458 FALL RIVER LN, SAINT CHARLES, MO 63304-8501 |
| Document Number | 0068340320 |
| Book / Page | 006834 / 000320 |
| Instrument Date | Oct 27, 2017 |
| Instrument | 691800 |
| Transaction Type | Transfer |
| Record Updated | Dec 08, 2017 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 458 FALL RIVER LN COTTLEVILLE MO 633048501, COTTLEVILLE, MO 63304-8501 |
| Document Number | 68340322 |
|---|---|
| Date | Nov 03, 2017 |
| Book Page | 006834/000322 |
| Instrument | 691810 |
| Name | DAS ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63141 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 02, 2047 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,400.00 | $57,237 (+7.41%) | $301,247 (+7.41%) Land $40,000 Building $261,247 |
| 2023 | $53,288 | ||
| 2022 | $280,465 Land $40,000 Building $240,465 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833112211, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 28 (1978–2025) |
| Claims Outside the SFHA | 6 of 28 |
| Most Recent Claim | Jun 2025 · river or lake flooding |
| Claims by Event |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| WH i3B Bidco LLC/WH i3B Topco Fiber | 8,000 / 8,000 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 256 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MO6010716, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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