St. Charles County property record for 6038 Saint Charles St, Cottleville, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 4,228 sqft · built 2024 |
| Lot Size | 0.215 acres (9,374 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $9,319 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T251500135 |
| Primary APN | T251500135 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 4,228 sqft Living Area |
| Gross Area | 5,456 sqft |
| 1st Floor Area | 2,728 sqft |
| Basement Area | 2,728 sqft |
| Finished Basement | 1,500 sqft |
| Unfinished Basement | 1,228 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 9,374 sqft (0.215 acres) |
| Account Number | T251500135 |
|---|---|
| Street Address | 6038 SAINT CHARLES ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-8075 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COTTLEVILLE TRAILS #3B LOT 336 |
| Legal Subdivision | COTTLEVILLE TRAILS #3B |
| Legal Lot Number | 336 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 311124 |
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 204 HENDERSON RESORT WAY, 3103, DESTIN, FL 32541-3834 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2025 |
| Deed Sale | Jul 9, 2025 |
| Prior Sale | Jul 10, 2024 · Amount on Record |
| Deed Document Number | 202529145 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 6038 SAINT CHARLES ST, COTTLEVILLE, MO 63304-8075 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 6038 SAINT CHARLES ST, COTTLEVILLE, MO 63304-8075 |
| Document Number | 0000013542 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 2026R-013542 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Apr 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.1% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.1% |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Cottleville City |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $145,901 (+859.88%) | $767,901 (+859.88%) Land $80,000 Building $687,901 | |
| 2025 | $9,319.00 | $15,200 | $80,000 Land $80,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2017 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 95% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: i3 Broadband, T-Mobile.
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