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

St. Charles County property record for 85 Cinnamon Tree Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,675 sqft · built 1985
Lot Size	0.37 acres (16,117 sqft)
Owner	Company Name on File
Tax Bill	$4,682 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A850000984`

Property Details

APN / Parcel Number

Primary APN	`A850000984`
Alternative APN	`3-0112-5688-00-0747.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,675 sqft Living Area
Gross Area	4,399 sqft
1st Floor Area	1,535 sqft
Basement Area	1,284 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	16,117 sqft (0.37 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	376 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A850000984
Street Address	85 CINNAMON TREE CT
City	SAINT CHARLES
State	MO
Zip	63304-7265
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBERWOOD TRLS #6 LOT 747
Legal Subdivision	TIMBERWOOD TRAILS #6
Legal Lot Number	747
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2018
Census Tract	311114

Owner

Source: St. Charles County records · APN A850000984

Assessment roll updated August 7, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	85 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7265
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 14, 1997
Deed Sale	Aug 14, 1997
Deed Document Number	199745275
Deed Book / Page	1968 / 975
Last Transfer Date	Sep 07, 2011
Transfer Doc	0056351035
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	85 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7265
Document Number	0072421870
Instrument Date	Feb 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	85 CINNAMON TREE CT ST CHARLES MO 633047265, ST CHARLES, MO 63304-7265

Mortgage

Document Number	0072421870
Date	Mar 05, 2020
Book Page	007242/001870
Instrument	135570

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 04, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$78,994 (-)	$415,758 (-) Land $70,000 Building $345,758
2025	$4,682.00 (+21.23%)	$78,994 (+8.43%)	$415,758 (+8.43%) Land $70,000 Building $345,758
2024	$3,862.00
2023		$72,854
2022			$383,443 Land $70,000 Building $313,443

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
WH i3B Bidco LLC/WH i3B Topco 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 USA, Wisper ISP.

Based on FCC filings for 234 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.