St. Charles County property record for 649 Lori Lynn Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,142 sqft · built 1995 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $361,000 (Feb 2022) |
| Tax Bill | $4,271 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A963000804 |
| Primary APN | A963000804 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,142 sqft Living Area |
| Gross Area | 3,754 sqft |
| 1st Floor Area | 1,098 sqft |
| Basement Area | 1,044 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 568 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A963000804 |
|---|---|
| Street Address | 649 LORI LYNN CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7475 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AD9 |
| Legal Description | PRINCETON PL #2 LOT 39 |
| Legal Subdivision | PRINCETON PL #2 |
| Legal Lot Number | 39 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311132 |
Source: St. Charles County records, as of September 10, 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 | 649 LORI LYNN CT, SAINT CHARLES, MO 63304-7475 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2022 · Amount on Record |
| Deed Sale | Feb 7, 2022 · Amount on Record |
| Prior Sale | Jul 14, 2004 · Amount on Record |
| Deed Document Number | 20227394 |
| Prior Transfer Date | Dec 4, 2014 |
| Prior Transfer Doc | 0000680240 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 7, 2022 |
| Property Address | 649 LORI LYNN CT, SAINT CHARLES, MO 63304-7475 |
| Document Number | 0000007394 |
| Map Reference | MB 33 PG 15 |
| Instrument Date | Jan 22, 2022 |
| Instrument | 2022R-007394 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | E-PLACER TITLE, PLACER TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1 BLUFF FOREST LN, SAINT CHARLES, MO 63304-7466 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 649 LORI LYNN CT, SAINT CHARLES, MO 63304-7475 |
| Document Number | 0000007395 |
|---|---|
| Date | Feb 7, 2022 |
| Instrument | 2022R-007395 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $72,018 (-) | $379,044 (-) Land $80,000 Building $299,044 | |
| 2025 | $4,271.00 | $72,018 (+5.38%) | $379,044 (+5.38%) Land $80,000 Building $299,044 |
| 2023 | $68,341 | ||
| 2022 | $359,692 Land $60,000 Building $299,692 |
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 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 26 (1979–2019) |
| Claims Outside the SFHA | 1 of 26 |
| Most Recent Claim | Jun 2019 · Severe Storms, Tornadoes, 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 93% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 377 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: T-Mobile.
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