9 Amber Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 9 Amber Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,288 sqft · built 1976
Lot Size	0.149 acres (6,510 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,766 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Aug 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`145132A000`

Property Details

APN / Parcel Number

Primary APN	`145132A000`
Alternative APN	`6-0013-5087-00-0043.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	2,588 sqft
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Finished Basement	224 sqft
Unfinished Basement	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,510 sqft (0.149 acres)
Lot Dimensions	105 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	100 sqft
Patio Area	138 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	145132A000
Street Address	9 AMBER CT
City	SAINT CHARLES
State	MO
Zip	63303-5001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SHADOW WOOD LOT 43
Legal Subdivision	SHADOW WOOD
Legal Lot Number	43
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	3
Census Block	3008
Census Tract	310902

Owner

Source: St. Charles County records, as of August 7, 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	9 AMBER CT, SAINT CHARLES, MO 63303-5001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Aug 26, 2025	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE INC
Oct 9, 2025	Beneficiary Deed, Transfer
Oct 9, 2025	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 8, 2025
Transfer Doc	0000045242
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	9 AMBER CT, SAINT CHARLES, MO 63303-5001
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 AMBER CT, SAINT CHARLES, MO 63303-5001

Mortgage

Document Number	0000043422
Date	Oct 20, 2023
Instrument	2023R-043422

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	9 AMBER CT, SAINT CHARLES, MO 63303-5001
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 AMBER CT, SAINT CHARLES, MO 63303-5001

Mortgage

Document Number	0000037153
Date	Aug 26, 2025
Instrument	2025R-037153

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

October 2025: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 9, 2025
Property Address	9 AMBER CT, SAINT CHARLES, MO 63303-5001
Document Number	0000045242
Map Reference	MB 19 PG 54
Instrument Date	Oct 8, 2025
Instrument	2025R-045242
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 AMBER CT, SAINT CHARLES, MO 63303-5001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 AMBER CT, SAINT CHARLES, MO 63303-5001

October 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Oct 9, 2025
Property Address	9 AMBER CT, SAINT CHARLES, MO 63303-5001
Document Number	0000045241
Map Reference	MB 19 PG 54
Instrument Date	Oct 8, 2025
Instrument	2025R-045241
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$44,043 (-)	$231,804 (-) Land $66,000 Building $165,804
2025	$2,766.00 (+8%)	$44,043 (+10.68%)	$231,804 (+10.68%) Land $66,000 Building $165,804
2024	$2,561.00
2023		$39,792
2022			$209,429 Land $66,000 Building $143,429

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

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: i3 Broadband, T-Mobile.

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