5004 Brittany Downs Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5004 Brittany Downs Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,300 sqft · built 1997
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$319,200 (Feb 2024)
Tax Bill	$3,336 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A953000823`

Property Details

APN / Parcel Number

Primary APN	`A953000823`
Alternative APN	`3-0113-7104-00-0450.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,300 sqft Living Area
Gross Area	2,036 sqft
1st Floor Area	1,072 sqft
Basement Area	508 sqft
Finished Basement	228 sqft
Unfinished Basement	280 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	28 sqft
Deck Area	Deck Area
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A953000823
Street Address	5004 BRITTANY DOWNS DR
City	SAINT CHARLES
State	MO
Zip	63304-7186
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRITTANY PL #3 LOT 450
Legal Subdivision	BRITTANY PL #3
Legal Lot Number	450
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1030
Census Tract	311322

Owner

Source: St. Charles County records, as of August 13, 2025

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	5004 BRITTANY DOWNS DR, SAINT CHARLES, MO 63304-7186
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2024	Warranty Deed, Transfer · Conventional Mortgage COMMERCIAL BANK
Nov 8, 2019	Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO
Aug 30, 2019	Deed of Trust, Mortgage ESSEX RESIDENTIAL MORTGAGE LLC
Dec 21, 2017	Quit Claim Deed, Transfer ESSEX RESIDENTIAL MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2024 · Amount on Record
Deed Sale	Feb 23, 2024 · Amount on Record
Prior Sale	Nov 8, 2019 · Amount on Record
Deed Document Number	20246831
Prior Transfer Date	Nov 29, 2017
Prior Transfer Doc	0068560671
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 23, 2024
Property Address	5004 BRITTANY DOWNS DR, SAINT CHARLES, MO 63304-7186
Document Number	0000006831
Map Reference	MB 31 PG 390
Instrument Date	Feb 15, 2024
Instrument	2024R-006831
Transaction Type	Transfer
Record Updated	Mar 7, 2024
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5004 BRITTANY DOWNS DR, COTTLEVILLE, MO 63304-7186

Mortgage

Document Number	0000006832
Date	Feb 23, 2024
Instrument	2024R-006832

Lender

Name	COMMERCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Apr 1, 2029
Change Frequency	7 Years
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	Other
Max Rate	12.7%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 8, 2019
Property Address	5004 BRITTANY DOWNS DR, SAINT CHARLES, MO 63304-7186
Document Number	0071791158
Book / Page	7179 / 1158
Map Reference	MB 31 PG 390
Instrument Date	Nov 5, 2019
Instrument	20191108000642760
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5004 BRITTANY DOWNS DR, 5004, SAINT CHARLES, MO 63304-7186

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5004 BRITTANY DOWNS DR, SAINT CHARLES, MO 63304-7186

Mortgage

Document Number	20191108000642770
Date	Nov 8, 2019
Instrument	20191108000642770

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5004 BRITTANY DOWNS DR, SAINT CHARLES, MO 63304-7186
Document Number	0071410856
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 3, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5004 BRITTANY DOWNS DR ST CHARLES MO 633047186, ST CHARLES, MO 63304-7186

Mortgage

Document Number	0071410856
Date	Sep 12, 2019
Book Page	007141/000856
Instrument	497730

Lender

Name	ESSEX RESIDENTIAL MORTGAGE LLC
Type	Bank
Address	SAINT LOUIS, MO 63127

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2049

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 21, 2017
Property Address	5004 BRITTANY DOWNS DR, SAINT CHARLES, MO 63304-7186
Document Number	0068560671
Book / Page	006856 / 000671
Instrument Date	Nov 29, 2017
Instrument	785730
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5004 BRITTANY DOWNS DR COTTLEVILLE MO 633047186, COTTLEVILLE, MO 63304-7186

Mortgage

Document Number	68560676
Date	Dec 21, 2017
Book Page	006856/000676
Instrument	785750

Lender

Name	ESSEX RESIDENTIAL MORTGAGE LLC
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63127

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Dec 20, 2037

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Cottleville City
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
2025	$3,336.00 (+9.13%)	$54,033 (+10.17%)	$284,383 (+10.17%) Land $55,000 Building $229,383
2024	$3,057.00
2023		$49,047
2022			$258,142 Land $45,000 Building $213,142

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	8 (1986–2015)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 2 claims Severe Storms & Flooding, Sep 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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
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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