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5808 Saddlebrook Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5808 Saddlebrook Dr, Saint Charles, MO 63304

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,615 sqft · built 1986
Lot Size0.22 acres (9,583 sqft)
Owner2 Individual Names on Record
Last Sale$392,500 (May 2022)
Tax Bill$3,789 (2025)
Deeds & MortgagesMay 2022 Mortgage
Jan 2020 Mortgage
Flood ZoneZone X (minimal risk)
APNA870002206

Property Details

APN / Parcel Number

Primary APNA870002206
Alternative APN
  • 3-157C-6088-00-0151.0000000

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area2,615 sqft Living Area
Gross Area3,238 sqft
1st Floor Area946 sqft
Basement Area936 sqft
Finished Basement733 sqft
Unfinished Basement203 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area9,583 sqft (0.22 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area92 sqft
Deck AreaDeck Area
Patio Area552 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account NumberA870002206
Street Address5808 SADDLEBROOK DR
CitySAINT CHARLES
StateMO
Zip63304-2416
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSADDLEBROOK #1 LOT 151 & PT LOT 152
Legal SubdivisionSADDLEBROOK #1
Legal Lot Number151
JurisdictionST CHARLES MO
Township / Civil DivisionWELDON SPRING
Census Block Group4
Census Block4002
Census Tract311124

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 Record2 Individual Names on Record
Mailing Address5808 SADDLEBROOK DR, SAINT CHARLES, MO 63304-2416
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 3, 2022Warranty Deed, Transfer · VA Mortgage
FLAT BRANCH HOME LOANS INC
Jan 23, 2020Deed of Trust, Mortgage
NEW AMERICAN FNDG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 3, 2022 · Amount on Record
Deed SaleMay 3, 2022 · Amount on Record
Prior SaleFeb 26, 2020 · Amount on Record
Deed Document Number202225361
Prior Transfer DateMay 9, 2014
Prior Transfer Doc0000023853
Record UpdatedOct 29, 2026

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateMay 3, 2022
Property Address5808 SADDLEBROOK DR, SAINT CHARLES, MO 63304-2416
Document Number0000025361
Map ReferenceMB 25 PG 190&191
Instrument DateApr 29, 2022
Instrument2022R-025361
Transaction TypeTransfer
Record UpdatedJan 17, 2024
Title CompanySTATE LOUIS COMPANY TITLE (SLCTC), STL

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1060 DEBORAH DR, ARNOLD, MO 63010-2912

Transferred To (Grantee/Buyer)

NameVerified Name
Address5808 SADDLEBROOK DR, SAINT CHARLES, MO 63304-2416

Mortgage

Document Number0000025362
DateMay 3, 2022
Instrument2022R-025362
Lender
NameFLAT BRANCH HOME LOANS INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2052

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address5808 SADDLEBROOK DR, SAINT CHARLES, MO 63304-2416
Document Number0072201989
Instrument DateJan 23, 2020
Transaction TypeMortgage
Record UpdatedFeb 25, 2020
Title CompanyNETCO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address5808 SADDLEBROOK DR ST CHARLES MO 633042416, ST CHARLES, MO 63304-2416

Mortgage

Document Number0072201989
DateJan 24, 2020
Book Page007220/001989
Instrument48200
Lender
NameNEW AMERICAN FNDG
TypeFunding / Finance Company
AddressTUSTIN, CA 92780
Agreement
AmountAmount Recorded
Term360 Months
DueJan 23, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$63,851 (-)$336,059 (-) Land $65,000 Building $271,059
2025$3,789.00$63,851 (+11.52%)$336,059 (+11.53%) Land $65,000 Building $271,059
2023$57,253
2022$301,329 Land $65,000 Building $236,329

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies1 in force

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 RiskNot rated
no burnable land within 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 SystemST CHARLES COUNTY PWSD 2
serves 100,587 people · EPA ID MO6024530
Water SourcePurchased surface water from ST LOUIS CITY PWS
Last State InspectionAug 2023
Also Mapped HereMO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 423 locations within half a mile, as of December 31, 2025

ProviderMax 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, Wisper ISP.

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