5248 Cedarfield Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5248 Cedarfield Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,577 sqft · built 1992
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$346,300 (Dec 2020)
Tax Bill	$3,782 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Dec 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A883002343`

Property Details

APN / Parcel Number

Primary APN	`A883002343`
Alternative APN	`3-0111-6291-00-0035.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,577 sqft Living Area
Gross Area	3,616 sqft
1st Floor Area	1,577 sqft
Basement Area	1,577 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft
Patio Area	142 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883002343
Street Address	5248 CEDARFIELD DR
City	SAINT CHARLES
State	MO
Zip	63304-8017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBERWOOD FARMS LOT 35
Legal Subdivision	TIMBERWOOD FARMS
Legal Lot Number	35
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1023
Census Tract	311322

Owner

5248 Cedarfield Dr is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	5248 CEDARFIELD DR, SAINT CHARLES, MO 63304-8017
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

Date	Document
Feb 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage GREAT SOUTHERN BANK
Dec 8, 2020	Warranty Deed, Transfer FIRST ST BK/ST CHARLES
May 3, 2018	Grant Deed, Transfer
Mar 8, 2018	Affidavit of Death, Transfer
Apr 27, 2018	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2020 · Amount on File
Deed Sale	Dec 8, 2020 · Amount on File
Prior Sale	May 3, 2018 · Amount on File
Deed Document Number	202096106
Prior Transfer Date	Feb 28, 2018
Prior Transfer Doc	0069101602
Record Updated	Jun 8, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5248 CEDARFIELD DR, SAINT CHARLES, MO 63304-8017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070342067
Date	Feb 11, 2019
Book Page	7034/2067
Instrument	20190211000063380

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 8, 2020
Property Address	5248 CEDARFIELD DR, SAINT CHARLES, MO 63304-8017
Document Number	0000096106
Instrument Date	Dec 3, 2020
Instrument	96106
Transaction Type	Transfer
Record Updated	Mar 9, 2021
Title Company	SELECT TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5248 CEDARFIELD DR ST CHARLES MO 633048017, ST CHARLES, MO 63304-8017

Mortgage

Document Number	96107
Date	Dec 8, 2020
Instrument	96107

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 7, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 3, 2018
Property Address	5248 CEDARFIELD DR, SAINT CHARLES, MO 63304-8017
Document Number	0069141513
Book / Page	006914 / 001513
Instrument Date	May 1, 2018
Instrument	245830
Transaction Type	Transfer
Record Updated	Jun 25, 2018

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3612 COLLINGWOOD DR ST CHARLES MO 633014505, ST CHARLES, MO 63301-4505

March 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CHARLES MO
Recording Date	Mar 8, 2018
Property Address	5248 CEDARFIELD DR, SAINT CHARLES, MO 63304-8017
Document Number	0068881763
Book / Page	006888 / 001763
Instrument Date	Feb 28, 2018
Instrument	124050
Transaction Type	Transfer
Record Updated	Mar 13, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5248 CEDARFIELD DR COTTLEVILLE MO 633048017, COTTLEVILLE, MO 63304-8017

April 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CHARLES MO
Recording Date	Apr 27, 2018
Property Address	5248 CEDARFIELD DR, SAINT CHARLES, MO 63304-8017
Document Number	0069101602
Book / Page	006910 / 001602
Instrument Date	Feb 28, 2018
Instrument	228860
Transaction Type	Transfer
Record Updated	May 4, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5248 CEDARFIELD DR COTTLEVILLE MO 633048017, COTTLEVILLE, MO 63304-8017

Tax Assessment & Valuation

The 2025 property tax bill for 5248 Cedarfield Dr was $3,782, up 11.7% from the year before.

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	$3,782.00 (+11.66%)	$61,328	$322,777 Land $70,000 Building $252,777
2024	$3,387.00
2023		$54,404
2022			$286,336 Land $70,000 Building $216,336

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 5248 Cedarfield Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 5248 Cedarfield Dr is low, with less than a 0.01% annual chance of 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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