5249 Cedarfield Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5249 Cedarfield Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,424 sqft · built 1991
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Aug 2020)
Tax Bill	$3,720 (2025)
Deeds & Mortgages	Feb 2022 Sale Aug 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A883002339`

Property Details

APN / Parcel Number

Primary APN	`A883002339`
Alternative APN	`3-0111-6291-00-0031.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,424 sqft Living Area
Gross Area	3,268 sqft
1st Floor Area	1,436 sqft
Basement Area	1,412 sqft
Finished Basement	988 sqft
Unfinished Basement	424 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	64 sqft
Deck Area	Deck Area
Patio Area	310 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883002339
Street Address	5249 CEDARFIELD DR
City	SAINT CHARLES
State	MO
Zip	63304-8016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBERWOOD FARMS LOT 31
Legal Subdivision	TIMBERWOOD FARMS
Legal Lot Number	31
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1028
Census Tract	311322

Owner

5249 Cedarfield Dr is owned and occupied by two individuals who acquired it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	5249 CEDARFIELD DR, SAINT CHARLES, MO 63304-8016
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 4, 2022	Beneficiary Deed, Transfer
Aug 21, 2020	Grant Deed, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE CO.
Jan 25, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jan 25, 2018	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2020 · Amount on File
Deed Sale	Aug 21, 2020 · Amount on File
Prior Sale	Sep 2, 2004 · Amount on File
Deed Document Number	2020606600
Deed Book / Page	7377 / 2132
Last Transfer Date	Jan 26, 2022
Transfer Doc	0000007175
Record Updated	Sep 20, 2026

February 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 4, 2022
Property Address	5249 CEDARFIELD DR, SAINT CHARLES, MO 63304-8016
Document Number	0000007175
Map Reference	MB 27 PG 97
Instrument Date	Feb 4, 2022
Instrument	2022R-007175
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	5249 CEDARFIELD DR, SAINT CHARLES, MO 63304-8016

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 21, 2020
Property Address	5249 CEDARFIELD DR, SAINT CHARLES, MO 63304-8016
Document Number	0073772132
Book / Page	007377 / 002132
Instrument Date	Aug 17, 2020
Instrument	606600
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

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
Relationship	Husband and Wife
Address	5249 CEDARFIELD DR ST CHARLES MO 633048016, ST CHARLES, MO 63304-8016

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5249 CEDARFIELD DR, SAINT CHARLES, MO 63304-8016
Document Number	0068730889
Instrument Date	Jan 25, 2018
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5249 CEDARFIELD DR ST CHARLES MO 633048016, ST CHARLES, MO 63304-8016

Mortgage

Document Number	0068730889
Date	Jan 31, 2018
Book Page	006873/000889
Instrument	56260

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	960 Months
Due	Jan 30, 2098

Interest

Rate Type	Adjustable Rate
Rate	4.94%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5249 CEDARFIELD DR, SAINT CHARLES, MO 63304-8016
Document Number	0068730874
Instrument Date	Jan 25, 2018
Transaction Type	Mortgage
Record Updated	Feb 7, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5249 CEDARFIELD DR ST CHARLES MO 633048016, ST CHARLES, MO 63304-8016

Mortgage

Document Number	0068730874
Date	Jan 31, 2018
Book Page	006873/000874
Instrument	56250

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	960 Months
Due	Jan 30, 2098

Interest

Rate Type	Adjustable Rate
Rate	4.94%

Tax Assessment & Valuation

The 2025 property tax bill for 5249 Cedarfield Dr was $3,720, up 11.4% from the year before.

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		$60,307 (-)	$317,406 (-) Land $70,000 Building $247,406
2025	$3,720.00 (+11.38%)	$60,307	$317,406 Land $70,000 Building $247,406
2024	$3,340.00
2023		$53,640
2022			$282,314 Land $70,000 Building $212,314

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 5249 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 5249 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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