5 Shady Moss Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5 Shady Moss Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,216 sqft · built 1999
Lot Size	0.27 acres (11,761 sqft)
Owner	Company Name on Record
Last Sale	$325,000 (May 2021)
Tax Bill	$4,345 (2025)
Deeds & Mortgages	May 2021 Sale Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A973001438`

Property Details

APN / Parcel Number

Primary APN	`A973001438`
Alternative APN	`3-0112-7636-00-0305.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,216 sqft Living Area
Gross Area	3,788 sqft
1st Floor Area	1,198 sqft
Basement Area	1,172 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	11,761 sqft (0.27 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	80 sqft
Deck Area	Deck Area
Patio Area	192 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001438
Street Address	5 SHADY MOSS CT
City	SAINT CHARLES
State	MO
Zip	63304-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	EMERALD PL #3 LOT 305
Legal Subdivision	EMERALD PL #3
Legal Lot Number	305
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2048
Census Tract	311114

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	Company Name on Record
Mailing Address	600 GALLERIA PKWY SE, 300, ATLANTA, GA 30339-8146
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Warranty Deed, Transfer
Sep 5, 2019	Deed of Trust, Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2021 · Amount on Record
Deed Sale	May 3, 2021 · Amount on Record
Prior Sale	Oct 5, 2015 · Amount on Record
Deed Document Number	202138658
Prior Transfer Date	Dec 27, 2012
Prior Transfer Doc	0059601089
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 3, 2021
Property Address	5 SHADY MOSS CT, SAINT CHARLES, MO 63304-1214
Document Number	2021R038658
Map Reference	MB 33 PG 359-362
Instrument Date	Apr 26, 2021
Instrument	2021R-038658
Transaction Type	Transfer
Record Updated	May 17, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 SHADY MOSS CT, SAINT CHARLES, MO 63304-1214
Document Number	0071421198
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Oct 3, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5 SHADY MOSS CT ST CHARLES MO 633041214, ST CHARLES, MO 63304-1214

Mortgage

Document Number	0071421198
Date	Sep 16, 2019
Book Page	007142/001198
Instrument	502450

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 15, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$73,288 (-)	$385,725 (-) Land $75,000 Building $310,725
2025	$4,345.00	$73,288 (+12.98%)	$385,725 (+12.98%) Land $75,000 Building $310,725
2023		$64,869
2022			$341,415 Land $60,000 Building $281,415

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
Nearby Flood Claims	2 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 2 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 99.8% of the US · lower than 99.6% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

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