54 Cambrian Way, Saint Charles, MO 63301 Property Records

St. Charles County property record for 54 Cambrian Way, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,479 sqft · built 1989
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on Record
Last Sale	$243,800 (Jul 2021)
Tax Bill	$4,956 (2024)
Deeds & Mortgages	Apr 2022 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`A986000006`

Property Details

APN / Parcel Number

Primary APN	`A986000006`
Alternative APN	`6-0017-7716-00-0246.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,479 sqft Living Area
Gross Area	4,722 sqft
1st Floor Area	2,479 sqft
Basement Area	1,627 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	32,670 sqft (0.75 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	220 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A986000006
Street Address	54 CAMBRIAN WAY
City	SAINT CHARLES
State	MO
Zip	63301-8731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HUNTINGTON PK ADDN RESUB 1ST & 2ND EDIT LOT 246
Legal Subdivision	HUNTINGTON PK ADDN RESUB
Legal Lot Number	246
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	1
Census Block	1022
Census Tract	310602

Owner

Source: St. Charles County records, as of August 7, 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	54 CAMBRIAN WAY, SAINT CHARLES, MO 63301-8731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 12, 2021	Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2021 · Amount on Record
Deed Sale	Jul 12, 2021 · Amount on Record
Deed Document Number	202158214
Prior Transfer Date	Jun 25, 2021
Prior Transfer Doc	2021R058215
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	54 CAMBRIAN WAY, SAINT CHARLES, MO 63301-8731
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 CAMBRIAN WAY, SAINT CHARLES, MO 63301-8731

Mortgage

Document Number	0000019125
Date	Apr 4, 2022
Instrument	2022R-019125

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Mar 15, 2032

July 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Jul 12, 2021
Property Address	54 CAMBRIAN WAY, SAINT CHARLES, MO 63301-8731
Document Number	2021R058214
Map Reference	MB 34 PG 78-80
Instrument Date	Jun 25, 2021
Instrument	2021R-058214
Transaction Type	Transfer
Record Updated	Jul 26, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 CAMBRIAN WAY, SAINT CHARLES, MO 63301-8731

Mortgage

Document Number	2021R058215
Date	Jul 12, 2021
Instrument	2021R-058215

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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		$90,464 (-)	$476,124 (-) Land $77,000 Building $399,124
2025		$90,464 (+16.78%)	$476,124 (+16.78%) Land $77,000 Building $399,124
2024	$4,956.00
2023		$77,463
2022			$407,700 Land $60,500 Building $347,200

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	61 (1979–2022)
Claims Outside the SFHA	16 of 61
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 10 claims Flooding, Jun 2011 · 6 claims Severe Storms & Flooding, Jul 1993 · 12 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 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	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	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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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