5817 Saddlebrook Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5817 Saddlebrook Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,720 sqft · built 1986
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Feb 2023)
Tax Bill	$3,161 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Feb 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A870002170`

Property Details

APN / Parcel Number

Primary APN	`A870002170`
Alternative APN	`3-157C-6088-00-0115.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,720 sqft Living Area
Gross Area	2,248 sqft
1st Floor Area	1,130 sqft
Basement Area	656 sqft
Finished Basement	590 sqft
Unfinished Basement	66 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	30 sqft
Deck Area	Deck Area
Patio Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870002170
Street Address	5817 SADDLEBROOK DR
City	SAINT CHARLES
State	MO
Zip	63304-2417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLEBROOK #1 LOT 115
Legal Subdivision	SADDLEBROOK #1
Legal Lot Number	115
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	4
Census Block	4000
Census Tract	311124

Owner

5817 Saddlebrook Dr is owned and occupied by an individual who bought it in February 2023.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	5817 SADDLEBROOK DR, SAINT CHARLES, MO 63304-2417
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 15, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Feb 15, 2023	Affidavit of Death of Joint Tenant, Transfer
Aug 31, 2022	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2023 · Amount on File
Deed Sale	Feb 15, 2023 · Amount on File
Prior Sale	Aug 31, 2022 · Amount on File
Deed Document Number	20235676
Prior Transfer Date	Feb 14, 2023
Prior Transfer Doc	0000005675
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 15, 2023
Property Address	5817 SADDLEBROOK DR, SAINT CHARLES, MO 63304-2417
Document Number	0000005676
Map Reference	MB 25 PG 190
Instrument Date	Feb 8, 2023
Instrument	2023R-005676
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	722 LA DUE PL, GREENVILLE, IL 62246-1446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5817 SADDLEBROOK DR, SAINT CHARLES, MO 63304-2417

Mortgage

Document Number	0000005677
Date	Feb 15, 2023
Instrument	2023R-005677

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

February 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Feb 15, 2023
Property Address	5817 SADDLEBROOK DR, SAINT CHARLES, MO 63304-2417
Document Number	0000005675
Map Reference	MB 25 PG 190
Instrument Date	Feb 8, 2023
Instrument	2023R-005675
Transaction Type	Transfer
Record Updated	Jan 17, 2024

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
Address	5817 SADDLEBROOK DR, SAINT CHARLES, MO 63304-2417

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 31, 2022
Property Address	5817 SADDLEBROOK DR, SAINT CHARLES, MO 63304-2417
Document Number	0000048224
Map Reference	MB 25 PG 190
Instrument Date	Aug 29, 2022
Instrument	2022R-048224
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	413 SAINT LAWRENCE DR, BALLWIN, MO 63021-5235

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5817 SADDLEBROOK DR, SAINT CHARLES, MO 63304-2417

Mortgage

Document Number	0000048225
Date	Aug 31, 2022
Instrument	2022R-048225

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 5817 Saddlebrook Dr was $3,161.

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

Property Jurisdictions

Type	Name
State	Missouri
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		$53,187 (-)	$279,929 (-) Land $65,000 Building $214,929
2025	$3,161.00	$53,187	$279,929 Land $65,000 Building $214,929
2023		$48,531
2022			$255,425 Land $65,000 Building $190,425

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 5817 Saddlebrook Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 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

The area around 5817 Saddlebrook Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not 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 System	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) 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 423 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, Wisper ISP.

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