St. Charles County property record for 604 Concordia Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,204 sqft · built 1966 |
| Lot Size | 0.221 acres (9,660 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $140,000 (Aug 2013) |
| Tax Bill | $2,953 (2025) |
| Deeds & Mortgages | Feb 2018 Mortgage Feb 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 049080A000 |
| Primary APN | 049080A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,204 sqft Living Area |
| 1st Floor Area | 1,208 sqft |
| Basement Area | 1,152 sqft |
| Finished Basement | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Lot Area | 9,660 sqft |
| Lot Dimensions | 92 ft deep x 105 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 80 sqft |
| Patio Area | 380 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 049080A000 |
|---|---|
| Old Parcel Number | 049080A000 |
| Street Address | 604 CONCORDIA LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | ELMWOOD MANOR #4 BLK 6 LOT 8 |
| Legal Range | 05E |
| Legal Township | 47N |
| Legal Subdivision | ELMWOOD MANOR #4 |
| Legal Block | 6 |
| Legal Lot Number | 8 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 310301 |
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 604 CONCORDIA LN, SAINT CHARLES, MO 63301-4612 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 12, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Feb 12, 2018 | Loan Modification, Mortgage · FHA Mortgage CMG MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2013 · Amount on Record |
| Deed Sale | Aug 22, 2013 · Amount on Record |
| Prior Sale | Sep 28, 2004 |
| Deed Document Number | 0006081354 |
| Deed Book / Page | 6081 / 354 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 604 CONCORDIA LN, SAINT CHARLES, MO 63301-4612 |
| Document Number | 0068880636 |
| Instrument Date | Feb 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 604 CONCORDIA LN ST CHARLES MO 633014612, ST CHARLES, MO 63301-4612 |
| Document Number | 0068880636 |
|---|---|
| Date | Mar 7, 2018 |
| Book Page | 006888/000636 |
| Instrument | 122280 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 6, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 604 CONCORDIA LN, SAINT CHARLES, MO 63301-4612 |
| Document Number | 0069001417 |
| Instrument Date | Feb 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 604 CONCORDIA LN ST CHARLES MO 633014612, ST CHARLES, MO 63301-4612 |
| Document Number | 0069001417 |
|---|---|
| Date | Apr 4, 2018 |
| Book Page | 006900/001417 |
| Instrument | 178750 |
| Name | CMG MTG |
|---|---|
| Type | Mortgage Company |
| Address | EWING, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 3, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,953.00 | $47,062 (+3.06%) | $247,697 (+3.06%) Land $50,000 Building $197,697 |
| 2023 | $45,664 | ||
| 2022 | $240,336 Land $50,000 Building $190,336 |
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.
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 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 6 (1979–1983) |
| Most Recent Claim | May 1983 · tidal / storm surge |
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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 506 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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