St. Charles County property record for 809 Stone Cellar Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,800 sqft · built 2021 |
| Lot Size | 0.189 acres (8,233 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $476,223 (Jul 2022) |
| Tax Bill | $6,325 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T210700040 |
| Primary APN | T210700040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,800 sqft Living Area |
| Basement Area | 1,200 sqft |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Brick |
| Lot Area | 8,233 sqft (0.189 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Account Number | T210700040 |
|---|---|
| Street Address | 809 STONE CELLAR DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VLGS AT SANDFORT FARM #3 LOT 45B |
| Legal Subdivision | VLGS AT SANDFORT FARM #3 |
| Legal Lot Number | 45B |
| 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 March 16, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 809 STONE CELLAR DR, SAINT CHARLES, MO 63301-4439 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2022 · Amount on Record |
| Deed Sale | Jul 19, 2022 · Amount on Record |
| Deed Document Number | 0202240161 |
| Deed Book / Page | 2022 / 40161 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 19, 2022 |
| Property Address | 809 STONE CELLAR DR, SAINT CHARLES, MO 63301-4439 |
| Document Number | 0000040161 |
| Map Reference | MB 51 PG 14 |
| Instrument Date | Jul 6, 2022 |
| Instrument | 2022R-040161 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 809 STONE CELLAR DR, SAINT CHARLES, MO 63301-4439 |
| Document Number | 0000040162 |
|---|---|
| Date | Jul 19, 2022 |
| Instrument | 2022R-040162 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Aug 1, 2027 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 8.75% |
Source: St. Charles County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $6,325.00 | $101,376 (+12.04%) | $533,560 (+12.04%) Land $120,000 Building $413,560 |
| 2023 | $90,482 | ||
| 2022 | $476,223 Land $80,000 Building $396,223 |
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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