St. Charles County property record for 604 Saint Stephen Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,747 sqft · built 1959 |
| Lot Size | 0.265 acres (11,520 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (May 2011) |
| Tax Bill | $2,718 (2025) |
| Deeds & Mortgages | Jan 2026 Second Mortgage Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 059430A000 |
| Primary APN | 059430A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,747 sqft Living Area |
| Gross Area | 2,436 sqft |
| 1st Floor Area | 1,092 sqft |
| Basement Area | 1,092 sqft |
| Finished Basement | 655 sqft |
| Unfinished Basement | 437 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,520 sqft (0.265 acres) |
| Lot Dimensions | 144 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 344 sqft |
| Patio Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 059430A000 |
|---|---|
| Street Address | 604 SAINT STEPHEN LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1454 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | HAWTHORN HILLS LOT 28 |
| Legal Subdivision | HAWTHORNE HILLS |
| Legal Lot Number | 28 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 310302 |
604 Saint Stephen Ln is owned and occupied by two individuals who bought it in May 2011.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 604 SAINT STEPHEN LN, SAINT CHARLES, MO 63301-1454 |
| 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.
| Date | Document |
|---|---|
| Jan 15, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK |
| Aug 16, 2019 | Deed of Trust, Mortgage · FHA Mortgage COMMERCE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2011 · Amount on File |
| Deed Sale | May 11, 2011 · Amount on File |
| Prior Sale | Jun 13, 2003 · Amount on File |
| Deed Document Number | 2011289170 |
| Deed Book / Page | 5585 / 2460 |
| Prior Transfer Date | Nov 30, 2001 |
| Prior Transfer Doc | 0027390260 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 604 SAINT STEPHEN LN, SAINT CHARLES, MO 63301-1454 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 604 SAINT STEPHEN LN, SAINT CHARLES, MO 63301-1454 |
| Document Number | 0000002332 |
|---|---|
| Date | Jan 15, 2026 |
| Instrument | 2026R-002332 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Jan 9, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 604 SAINT STEPHEN LN, SAINT CHARLES, MO 63301-1454 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE SOURCE INC |
| Name | Verified Name |
|---|
| Document Number | 0071241443 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 7124/1443 |
| Instrument | 20190816000432090 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
The 2025 property tax bill for 604 Saint Stephen Ln was $2,718.
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $43,268 (-) | $227,724 (-) Land $55,000 Building $172,724 | |
| 2025 | $2,718.00 | $43,268 | $227,724 Land $55,000 Building $172,724 |
| 2023 | $41,781 | ||
| 2022 | $219,902 Land $40,000 Building $179,902 |
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.
FEMA maps place 604 Saint Stephen Ln in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2002.
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 | 5 in force |
| Nearby Flood Claims | 7 (2002–2022) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 604 Saint Stephen Ln 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.
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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