503 Saint Stephen Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 503 Saint Stephen Ln, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,856 sqft · built 1959
Lot Size	0.201 acres (8,772 sqft)
Owner	2 Individual Names on File
Last Sale	$163,000 (Apr 2018)
Tax Bill	$2,699 (2025)
Deeds & Mortgages	Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`059610A000`

Property Details

APN / Parcel Number

Primary APN	`059610A000`
Alternative APN	`6-006C-4295-00-0046.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,856 sqft Living Area
Gross Area	2,184 sqft
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Finished Basement	764 sqft
Unfinished Basement	328 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,772 sqft (0.201 acres)
Lot Dimensions	129 ft deep x 68 ft wide
Garage Type	Carport
Garage Area	324 sqft
Carport	Carport
Carport Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	059610A000
Street Address	503 SAINT STEPHEN LN
City	SAINT CHARLES
State	MO
Zip	63301-1451
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HAWTHORN HILLS LOT 46
Legal Subdivision	HAWTHORNE HILLS
Legal Lot Number	46
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2015
Census Tract	310302

Owner

503 Saint Stephen Ln is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	503 SAINT STEPHEN LN, SAINT CHARLES, MO 63301-1451
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2018 · Amount on File
Deed Sale	Apr 3, 2018 · Amount on File
Deed Document Number	2018176960
Deed Book / Page	6900 / 172
Record Updated	Oct 29, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 3, 2018
Property Address	503 SAINT STEPHEN LN, SAINT CHARLES, MO 63301-1451
Document Number	0069000172
Book / Page	6900 / 0172
Map Reference	MB 6 PG 44
Instrument Date	Mar 29, 2018
Instrument	20180403000176960
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 OSEN AVE, 409, ORTONVILLE, MN 56278-1125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 SAINT STEPHEN LN, SAINT CHARLES, MO 63301-1451

Mortgage

Document Number	20180403000176970
Date	Apr 3, 2018
Instrument	20180403000176970

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 503 Saint Stephen Ln was $2,699.

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		$42,970 (-)	$226,160 (-) Land $55,000 Building $171,160
2025	$2,699.00	$42,970	$226,160 Land $55,000 Building $171,160
2023		$41,471
2022			$218,270 Land $40,000 Building $178,270

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

FEMA maps place 503 Saint Stephen Ln in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2002.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	7 (2002–2022)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 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

The area around 503 Saint Stephen Ln has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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 506 locations within half a mile, as of December 31, 2025

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