St. Charles County property record for 609 Concordia Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,540 sqft · built 1964 |
| Lot Size | 0.201 acres (8,755 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Feb 2017) |
| Tax Bill | $2,590 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Feb 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 049140A000 |
| Primary APN | 049140A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,540 sqft Living Area |
| Gross Area | 2,548 sqft |
| 1st Floor Area | 1,092 sqft |
| Basement Area | 1,092 sqft |
| Finished Basement | 448 sqft |
| Unfinished Basement | 644 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 8,755 sqft (0.201 acres) |
| Lot Dimensions | 103 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 364 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 412 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 049140A000 |
|---|---|
| Street Address | 609 CONCORDIA LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | ELMWOOD MANOR #4 BLK 7 LOT 1 |
| Legal Subdivision | ELMWOOD MANOR #4 |
| Legal Block | 7 |
| Legal Lot Number | 1 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 310301 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 609 CONCORDIA LN, SAINT CHARLES, MO 63301-4667 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 3, 2024 | Deed of Trust, Mortgage · Commercial Mortgage NAVY FCU |
| Feb 28, 2017 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2017 · Amount on Record |
| Deed Sale | Feb 28, 2017 · Amount on Record |
| Prior Sale | Oct 28, 2010 · Amount on Record |
| Deed Document Number | 2017123320 |
| Deed Book / Page | 6705 / 395 |
| Prior Transfer Date | Apr 30, 2004 |
| Prior Transfer Doc | 0000429590 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 609 CONCORDIA LN, SAINT CHARLES, MO 63301-4667 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 609 CONCORDIA LN, SAINT CHARLES, MO 63301-4667 |
| Document Number | 0000012522 |
|---|---|
| Date | Apr 3, 2024 |
| Instrument | 2024R-012522 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 1, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 28, 2017 |
| Property Address | 609 CONCORDIA LN, SAINT CHARLES, MO 63301-4667 |
| Document Number | 0067050395 |
| Book / Page | 006705 / 000395 |
| Instrument Date | Feb 24, 2017 |
| Instrument | 123320 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2017 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 609 CONCORDIA LN ST CHARLES MO 633014667, ST CHARLES, MO 63301-4667 |
| Document Number | 67050397 |
|---|---|
| Date | Feb 28, 2017 |
| Book Page | 006705/000397 |
| Instrument | 123330 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 27, 2047 |
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 | $41,214 (-) | $216,917 (-) Land $50,000 Building $166,917 | |
| 2025 | $2,590.00 (+1.85%) | $41,214 (+4.32%) | $216,917 (+4.32%) Land $50,000 Building $166,917 |
| 2024 | $2,543.00 | ||
| 2023 | $39,506 | ||
| 2022 | $207,927 Land $50,000 Building $157,927 |
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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