82 Cinnamon Tree Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 82 Cinnamon Tree Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,702 sqft · built 1985
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (May 2022)
Tax Bill	$4,435 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A850000971`

Property Details

APN / Parcel Number

Primary APN	`A850000971`
Alternative APN	`3-0112-5688-00-0734.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,702 sqft Living Area
Gross Area	4,248 sqft
1st Floor Area	1,344 sqft
Basement Area	1,092 sqft
Finished Basement	250 sqft
Unfinished Basement	842 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	100 sqft
Deck Area	Deck Area
Patio Area	88 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A850000971
Street Address	82 CINNAMON TREE CT
City	SAINT CHARLES
State	MO
Zip	63304-7264
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBERWOOD TRLS #6 LOT 734
Legal Subdivision	TIMBERWOOD TRAILS #6
Legal Lot Number	734
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2018
Census Tract	311114

Owner

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	82 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7264
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Aug 8, 2022	Intrafamily Transfer, Transfer
May 25, 2022	Warranty Deed, Transfer · Conventional Mortgage BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2022 · Amount on Record
Deed Sale	May 25, 2022 · Amount on Record
Prior Sale	Aug 23, 2018 · Amount on Record
Deed Document Number	202229552
Last Transfer Date	Aug 5, 2022
Transfer Doc	0000043903
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 9, 2026
Property Address	82 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7264
Document Number	0000016341
Instrument Date	Apr 3, 2026
Instrument	202616341
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7264

Mortgage

Document Number	0000016341,
Date	Apr 9, 2026
Instrument	202616341

Lender

Name	SPRING EQ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 8, 2022
Property Address	82 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7264
Document Number	0000043903
Map Reference	MB 23 PG 64&65
Instrument Date	Aug 5, 2022
Instrument	2022R-043903
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	82 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7264

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7264

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 25, 2022
Property Address	82 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7264
Document Number	0000029552
Map Reference	MB 23 PG 64-65
Instrument Date	May 20, 2022
Instrument	2022R-029552
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1600, SAINT PETERS, MO 63376-0029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7264

Mortgage

Document Number	0000029553
Date	May 25, 2022
Instrument	2022R-029553

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$74,807 (-)	$393,718 (-) Land $70,000 Building $323,718
2025	$4,435.00 (+7.44%)	$74,807 (+8.18%)	$393,718 (+8.18%) Land $70,000 Building $323,718
2024	$4,128.00
2023		$69,151
2022			$363,951 Land $70,000 Building $293,951

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.

Flood

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
Nearby Flood Claims	2 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 2 claims

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
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, Wisper ISP.

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