St. Charles County property record for 5221 Cedarfield Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,681 sqft · built 1987 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $192,500 (May 2022) |
| Tax Bill | $3,819 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit May 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A883002333 |
| Primary APN | A883002333 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,681 sqft Living Area |
| Gross Area | 3,762 sqft |
| 1st Floor Area | 1,681 sqft |
| Basement Area | 1,681 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 181 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A883002333 |
|---|---|
| Street Address | 5221 CEDARFIELD DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-8016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TIMBERWOOD FARMS LOT 25 |
| Legal Subdivision | TIMBERWOOD FARMS |
| Legal Lot Number | 25 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 311322 |
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 | 2031 MAGNOLIA GARDEN DR, O FALLON, MO 63368-7207 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 2, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CREDIT UNION |
| May 2, 2022 | Warranty Deed, Transfer · Conventional Mortgage BANK OF SPRINGFIELD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2022 · Amount on Record |
| Deed Sale | May 2, 2022 · Amount on Record |
| Prior Sale | Mar 8, 2002 · Amount on Record |
| Deed Document Number | 202224889 |
| Prior Transfer Date | Mar 11, 2002 |
| Prior Transfer Doc | 0000023448 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 2, 2026 |
| Property Address | 5221 CEDARFIELD DR, SAINT CHARLES, MO 63304-8016 |
| Document Number | 0000031066 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 202631066 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2026 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 5221 CEDARFIELD DR, SAINT CHARLES, MO 63304-8016 |
| Document Number | 0000031066, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 202631066 |
| Name | FIRST COMMUNITY CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate | 5.87% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 2, 2022 |
| Property Address | 5221 CEDARFIELD DR, SAINT CHARLES, MO 63304-8016 |
| Document Number | 0000024889 |
| Map Reference | MB 27 PG 97&98 |
| Instrument Date | Apr 26, 2022 |
| Instrument | 2022R-024889 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2031 MAGNOLIA GARDEN DR, O FALLON, MO 63368-7207 |
| Document Number | 0000024890 |
|---|---|
| Date | May 2, 2022 |
| Instrument | 2022R-024890 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Cottleville City |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $61,928 (-) | $325,937 (-) Land $70,000 Building $255,937 | |
| 2025 | $3,819.00 | $61,928 (+8.02%) | $325,937 (+8.02%) Land $70,000 Building $255,937 |
| 2023 | $57,330 | ||
| 2022 | $301,737 Land $70,000 Building $231,737 |
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.
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 |
|
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.
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.
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 |
| 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.
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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