5009 Brittany Downs Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5009 Brittany Downs Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,433 sqft · built 1996
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Nov 2024)
Tax Bill	$3,235 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Aug 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A953000820`

Property Details

APN / Parcel Number

Primary APN	`A953000820`
Alternative APN	`3-0113-7104-00-0439.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,433 sqft Living Area
Gross Area	1,998 sqft
1st Floor Area	1,034 sqft
Basement Area	532 sqft
Finished Basement	399 sqft
Unfinished Basement	133 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	432 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	A953000820
Street Address	5009 BRITTANY DOWNS DR
City	SAINT CHARLES
State	MO
Zip	63304-7188
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRITTANY PL #3 LOT 439
Legal Subdivision	BRITTANY PL #3
Legal Lot Number	439
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1026
Census Tract	311322

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	5009 BRITTANY DOWNS DR, SAINT CHARLES, MO 63304-7188
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
Aug 11, 2017	Deed of Trust, Mortgage · Line of Credit UMB BANK NA
Nov 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATL BANK OF GREATER ST LOUIS
Apr 25, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIZENS NATL BANK OF GREATER ST LO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2024 · Amount on Record
Deed Sale	Nov 12, 2024 · Amount on Record
Prior Sale	Apr 25, 2019 · Amount on Record
Deed Document Number	202447195
Prior Transfer Date	Jun 1, 2017
Prior Transfer Doc	0067522267
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5009 BRITTANY DOWNS DR, SAINT CHARLES, MO 63304-7188
Transaction Type	Mortgage
Record Updated	May 15, 2023
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5009 BRITTANY DOWNS DR, SAINT CHARLES, MO 63304-7188

Mortgage

Document Number	0000016103
Date	Apr 28, 2023
Instrument	2023R-016103

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 30, 2038

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5009 BRITTANY DOWNS DR, SAINT CHARLES, MO 63304-7188
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067901157
Date	Aug 11, 2017
Book Page	6790/1157
Instrument	20170811000506060

Lender

Name	UMB BANK NA
Type	Bank
Address	SAINT LOUIS, MO 63135

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5009 BRITTANY DOWNS DR, SAINT CHARLES, MO 63304-7188
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071771230
Date	Nov 6, 2019
Book Page	7177/1230
Instrument	20191106000635320

Lender

Name	CITIZENS NATL BANK OF GREATER ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 25, 2019
Property Address	5009 BRITTANY DOWNS DR, SAINT CHARLES, MO 63304-7188
Document Number	0070641224
Book / Page	7064 / 1224
Map Reference	MB 31 PG 390-391
Instrument Date	Apr 23, 2019
Instrument	20190425000191380
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1205 RED ORCHARD CT, 1205, O FALLON, MO 63368-8292

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5009 BRITTANY DOWNS DR, SAINT CHARLES, MO 63304-7188

Mortgage

Document Number	20190425000191390
Date	Apr 25, 2019
Instrument	20190425000191390

Lender

Name	CITIZENS NATL BANK OF GREATER ST LO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

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

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
2026		$52,380 (-)	$275,686 (-) Land $55,000 Building $220,686
2025	$3,235.00 (+8.81%)	$52,380 (+9.81%)	$275,686 (+9.81%) Land $55,000 Building $220,686
2024	$2,973.00
2023		$47,700
2022			$251,051 Land $45,000 Building $206,051

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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