St. Charles County property record for 8 Clover Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,171 sqft · built 2003 |
| Lot Size | 0.534 acres (23,256 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $535,000 (Apr 2024) |
| Tax Bill | $6,442 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Mar 2024 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 043370A000 |
| Primary APN | 043370A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 4,171 sqft Living Area |
| Gross Area | 5,069 sqft |
| 1st Floor Area | 2,743 sqft |
| Basement Area | 1,701 sqft |
| Finished Basement | 1,428 sqft |
| Unfinished Basement | 273 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 23,256 sqft (0.534 acres) |
| Lot Dimensions | 152 ft deep x 153 ft wide |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 480 sqft |
| Account Number | 043370A000 |
|---|---|
| Street Address | 8 CLOVER LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | COUNTRY SIDE AC LOT 8 & 50 X 200 STRIP VACATED MEADOW LN |
| Legal Subdivision | COUNTRY SIDE AC |
| Legal Lot Number | 8 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 310301 |
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 | 8 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2024 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK |
| Mar 26, 2024 | Warranty Deed, Transfer INVESTORS TITLE COMPANY |
| Oct 22, 2018 | Deed of Trust, Mortgage · Line of Credit CARROLLTON BANK |
| Jun 13, 2022 | Deed of Trust, Mortgage · Line of Credit CARROLLTON BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2024 · Amount on Record |
| Deed Sale | Apr 16, 2024 · Amount on Record |
| Prior Sale | Mar 26, 2024 · Amount on Record |
| Deed Document Number | 202414214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 16, 2024 |
| Property Address | 8 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Document Number | 0000014214 |
| Map Reference | MB 6 PG 50 |
| Instrument Date | Apr 12, 2024 |
| Instrument | 2024R-014214 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 445 DWYER LN, SAINT CHARLES, MO 63301-6166 |
| Name | Verified Name |
|---|---|
| Address | 8 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Document Number | 0000014215 |
|---|---|
| Date | Apr 16, 2024 |
| Instrument | 2024R-014215 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 26, 2024 |
| Property Address | 8 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Document Number | 0000011228 |
| Map Reference | MB 6 PG 50 |
| Instrument Date | Mar 26, 2024 |
| Instrument | 2024R-011228 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 SAINT LEONARD CT, SAINT CHARLES, MO 63301-1769 |
| Name | Verified Name |
|---|---|
| Address | 8 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 8 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 8 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Document Number | 0000603330 |
|---|---|
| Date | Oct 22, 2018 |
| Book Page | 6993/1250 |
| Instrument | 20181022000603330 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 8 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 8 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Document Number | 0000032896 |
|---|---|
| Date | Jun 13, 2022 |
| Instrument | 2022R-032896 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $103,268 (-) | $543,520 (-) Land $75,000 Building $468,520 | |
| 2025 | $6,442.00 | $103,268 (+3.85%) | $543,520 (+3.86%) Land $75,000 Building $468,520 |
| 2023 | $99,435 | ||
| 2022 | $523,342 Land $62,500 Building $460,842 |
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 | 2 in force |
| Nearby Flood Claims | 75 (1979–2015) |
| Claims Outside the SFHA | 1 of 75 |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, 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 98% of the US · lower than 96% of Missouri |
|---|---|
| Wildfire Likelihood | Under 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 | 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 311 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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