St. Charles County property record for 817 Laurel Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,626 sqft · built 1970 |
| Lot Size | 0.219 acres (9,525 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $242,060 (May 2026) |
| Tax Bill | $3,313 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit May 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 046810A000 |
| Primary APN | 046810A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,626 sqft Living Area |
| Gross Area | 3,714 sqft |
| 1st Floor Area | 1,626 sqft |
| Basement Area | 1,626 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Masonry Veneer |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,525 sqft (0.219 acres) |
| Lot Dimensions | 127 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 046810A000 |
|---|---|
| Street Address | 817 LAUREL LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | DUCHESNE HILLS #4 LOT 456 |
| Legal Subdivision | DUCHESNE HILLS #4 |
| Legal Lot Number | 456 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 310301 |
Source: St. Charles County records, as of October 20, 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 | 1045 FLORLAND DR, FLORISSANT, MO 63031-6135 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Oct 8, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK/STATE CHARLES |
| May 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK/STATE CHARLES |
| Oct 24, 2025 | Warranty Deed, Transfer · Line of Credit FIRST STATE BANK OF ST CHARLES MO |
| Nov 3, 2020 | Quit Claim Deed, Transfer NEW AMERICAN FNDG |
| Jun 18, 2025 | Trustee's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on Record |
| Deed Sale | May 28, 2026 · Amount on Record |
| Prior Sale | Oct 24, 2025 · Amount on Record |
| Deed Document Number | 202624952 |
| Prior Transfer Date | Jun 17, 2025 |
| Prior Transfer Doc | 0000025703 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 8, 2026 |
| Property Address | 817 LAUREL LN, SAINT CHARLES, MO 63301-0716 |
| Document Number | 0000047878 |
| Instrument Date | Oct 1, 2026 |
| Instrument | 202647878 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 817 LAUREL LN, SAINT CHARLES, MO 63301-0716 |
| Document Number | 0000047878, |
|---|---|
| Date | Oct 8, 2026 |
| Instrument | 202647878 |
| Name | FIRST STATE BANK/STATE CHARLES |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Oct 1, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 28, 2026 |
| Property Address | 817 LAUREL LN, SAINT CHARLES, MO 63301-0716 |
| Document Number | 0000024952 |
| Instrument Date | May 19, 2026 |
| Instrument | 202624952 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1045 FLORLAND DR, FLORISSANT, MO 63031-6135 |
| Document Number | 0000024953, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202624953 |
| Name | FIRST STATE BANK/STATE CHARLES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 24, 2025 |
| Property Address | 817 LAUREL LN, SAINT CHARLES, MO 63301-0716 |
| Document Number | 0000047542 |
| Map Reference | MB 13 PG 14 |
| Instrument Date | Oct 22, 2025 |
| Instrument | 2025R-047542 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1045 FLORLAND DR, FLORISSANT, MO 63031-6135 |
| Document Number | 0000047543 |
|---|---|
| Date | Oct 24, 2025 |
| Instrument | 2025R-047543 |
| Name | FIRST STATE BANK OF ST CHARLES MO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 9 Months |
| Due | Jul 22, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 3, 2020 |
| Property Address | 817 LAUREL LN, SAINT CHARLES, MO 63301-0716 |
| Document Number | 0000084290 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 84290 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3036 WESTMINISTER DR ST CHARLES MO 633010657, ST CHARLES, MO 63301-0657 |
| Document Number | 84291 |
|---|---|
| Date | Nov 3, 2020 |
| Instrument | 84291 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 2, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 18, 2025 |
| Property Address | 817 LAUREL LN, SAINT CHARLES, MO 63301-0716 |
| Document Number | 0000025703 |
| Map Reference | MB 13 PG 14 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 2025R-025703 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 15, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 817 LAUREL LN, SAINT CHARLES, MO 63301-0716 |
| Name | Verified Name |
|---|---|
| Address | 1500 HERITAGE MANOR CT, SAINT PETERS, MO 63303-8483 |
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 | $52,864 (-) | $278,234 (-) Land $50,000 Building $228,234 | |
| 2025 | $3,313.00 | $52,864 (+0.32%) | $278,234 (+0.32%) Land $50,000 Building $228,234 |
| 2023 | $52,696 | ||
| 2022 | $277,347 Land $50,000 Building $227,347 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 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 387 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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