5211 Cedarfield Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5211 Cedarfield Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,826 sqft · built 1995
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$209,070 (Nov 2023)
Tax Bill	$3,862 (2024)
Deeds & Mortgages	Nov 2023 Mortgage Nov 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A883002309`

Property Details

APN / Parcel Number

Primary APN	`A883002309`
Alternative APN	`3-0111-6291-00-0001.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,826 sqft Living Area
Gross Area	4,268 sqft
1st Floor Area	1,826 sqft
Basement Area	2,022 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	313 sqft
Deck Area	Deck Area
Patio Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883002309
Street Address	5211 CEDARFIELD DR
City	SAINT CHARLES
State	MO
Zip	63304-8015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBERWOOD FARMS LOT 1
Legal Subdivision	TIMBERWOOD FARMS
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1025
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	Individual Name on Record
Mailing Address	5211 CEDARFIELD DR, SAINT CHARLES, MO 63304-8015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage CARROLLTON BANK
Nov 14, 2017	Warranty Deed, Transfer · Conventional Mortgage CARROLLTON BANK
Nov 14, 2017	Affidavit of Death, Transfer NATIONS TITLE
Oct 19, 2017	Intrafamily Transfer, Transfer · Line of Credit COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2023 · Amount on Record
Deed Sale	Nov 8, 2023 · Amount on Record
Prior Sale	Nov 27, 2017 · Amount on Record
Deed Document Number	202346142
Prior Transfer Date	Oct 17, 2023
Prior Transfer Doc	0000046142
Record Updated	Oct 29, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 8, 2023
Property Address	5211 CEDARFIELD DR, SAINT CHARLES, MO 63304-8015
Document Number	0000046142
Map Reference	MB 27 PG 97
Instrument Date	Oct 9, 2023
Instrument	2023R-046142
Transaction Type	Transfer
Record Updated	Nov 22, 2023
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24594 SCHUETZENGROUND RD, WARRENTON, MO 63383-7344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5211 CEDARFIELD DR, COTTLEVILLE, MO 63304-8015

Mortgage

Document Number	0000046143
Date	Nov 8, 2023
Instrument	2023R-046143

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Dec 1, 2047

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 14, 2017
Property Address	5211 CEDARFIELD DR, SAINT CHARLES, MO 63304-8015
Document Number	0068381125
Book / Page	6838 / 1125
Map Reference	MB 27 PG 97
Instrument Date	Nov 8, 2017
Instrument	20171114000710150
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	NATIONS TITLE AGENCY OF MISS

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5211 CEDARFIELD DR, SAINT CHARLES, MO 63304-8015

Mortgage

Document Number	20171114000710160
Date	Nov 14, 2017
Instrument	20171114000710160

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

November 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CHARLES MO
Recording Date	Nov 14, 2017
Property Address	5211 CEDARFIELD DR, SAINT CHARLES, MO 63304-8015
Document Number	0068381123
Book / Page	006838 / 001123
Instrument Date	Nov 6, 2017
Instrument	710140
Transaction Type	Transfer
Record Updated	Nov 20, 2017
Title Company	NATIONS TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5211 CEDARFIELD DR ST CHARLES MO 633048015, ST CHARLES, MO 63304-8015

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Oct 19, 2017
Property Address	5211 CEDARFIELD DR, SAINT CHARLES, MO 63304-8015
Document Number	0068251689
Book / Page	6825 / 1689
Map Reference	MB 27 PG 97
Instrument Date	Oct 10, 2017
Instrument	20171019000656740
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5211 CEDARFIELD DR, SAINT CHARLES, MO 63304-8015

Mortgage

Document Number	20171019000656730
Date	Oct 19, 2017
Instrument	20171019000656730

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$69,538 (-)	$365,989 (-) Land $70,000 Building $295,989
2025		$69,538 (+12%)	$365,989 (+12%) Land $70,000 Building $295,989
2024	$3,862.00
2023		$62,085
2022			$326,766 Land $70,000 Building $256,766

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 98% of the US · lower than 96% 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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Wisper ISP.

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