St. Charles County property record for 802 Stone Cellar Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,488 sqft · built 2022 |
| Lot Size | 0.153 acres (6,660 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $415,305 (Aug 2022) |
| Tax Bill | $5,470 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Feb 2024 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T210700052 |
| Primary APN | T210700052 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,488 sqft Living Area |
| Gross Area | 3,652 sqft |
| Basement Area | 1,164 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 6,660 sqft (0.153 acres) |
| Parking Spaces | 2 Parking Spaces |
| Account Number | T210700052 |
|---|---|
| Street Address | 802 STONE CELLAR DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VLGS AT SANDFORT FARM #3 LOT 57B |
| Legal Subdivision | VLGS AT SANDFORT FARM #3 |
| Legal Lot Number | 57B |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 310802 |
Source: St. Charles County records, as of September 14, 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 | 802 STONE CELLAR DR, SAINT CHARLES, MO 63301-4437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 11, 2022 | Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST |
| Feb 16, 2024 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Nov 17, 2025 | Deed of Trust, Mortgage · Construction Mortgage THIRD FSLA OF CLEVELAND |
| Oct 17, 2025 | Intrafamily Transfer, Transfer |
| Jan 17, 2025 | Intrafamily Transfer, Transfer |
| Aug 9, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STIFEL BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2022 · Amount on Record |
| Deed Sale | Aug 9, 2022 · Amount on Record |
| Deed Document Number | 202244136 |
| Last Transfer Date | Oct 31, 2024 |
| Transfer Doc | 0000002195 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 802 STONE CELLAR DR, SAINT CHARLES, MO 63301-4437 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 512 BROWNING CT, SAINT CHARLES, MO 63303-1128 |
| Document Number | 0000055448 |
|---|---|
| Date | Oct 11, 2022 |
| Instrument | 2022R-055448 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Aug 15, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 802 STONE CELLAR DR, SAINT CHARLES, MO 63301-4437 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 802 STONE CELLAR DR, SAINT CHARLES, MO 63301-4437 |
| Document Number | 0000006192 |
|---|---|
| Date | Feb 16, 2024 |
| Instrument | 2024R-006192 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 9, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 802 STONE CELLAR DR, SAINT CHARLES, MO 63301-4437 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 802 STONE CELLAR DR, SAINT CHARLES, MO 63301-4437 |
| Document Number | 0000051472 |
|---|---|
| Date | Nov 17, 2025 |
| Instrument | 2025R-051472 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 11, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 17, 2025 |
| Property Address | 802 STONE CELLAR DR, SAINT CHARLES, MO 63301-4437 |
| Document Number | 0000046506 |
| Map Reference | MB 51 PG 14 |
| Instrument Date | Oct 10, 2025 |
| Instrument | 2025R-046506 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 802 STONE CELLAR DR, SAINT CHARLES, MO 63301-4437 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 17, 2025 |
| Property Address | 802 STONE CELLAR DR, SAINT CHARLES, MO 63301-4437 |
| Document Number | 0000002195 |
| Map Reference | MB 51 PG 14 |
| Instrument Date | Oct 31, 2024 |
| Instrument | 2025R-002195 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 802 STONE CELLAR DR, SAINT CHARLES, MO 63301-4437 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 9, 2022 |
| Property Address | 802 STONE CELLAR DR, SAINT CHARLES, MO 63301-4437 |
| Document Number | 0000044136 |
| Map Reference | MB 51 PG 14 |
| Instrument Date | Jul 20, 2022 |
| Instrument | 2022R-044136 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 3, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593 |
| Name | Verified Name |
|---|---|
| Address | 802 STONE CELLAR DR, SAINT CHARLES, MO 63301-4437 |
| Document Number | 0000044138 |
|---|---|
| Date | Aug 9, 2022 |
| Instrument | 2022R-044138 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Sep 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.87% |
| Index | Other |
| Margin | 3 |
| Max Rate | 8.87% |
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 | $87,598 (-) | $461,043 (-) Land $120,000 Building $341,043 | |
| 2025 | $5,470.00 | $87,598 (+11.01%) | $461,043 (+11.01%) Land $120,000 Building $341,043 |
| 2023 | $78,908 | ||
| 2022 | $415,305 Land $80,000 Building $335,305 |
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 | 2 in force |
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 99.8% of the US · lower than 99.6% 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 492 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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