St. Charles County property record for 964 Cottontail Ln, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,573 sqft · built 1998 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $465,000 (Nov 2025) |
| Tax Bill | $4,888 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A953000560 |
| Primary APN | A953000560 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,573 sqft Living Area |
| Gross Area | 4,056 sqft |
| 1st Floor Area | 1,356 sqft |
| Basement Area | 1,260 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 10,890 sqft (0.25 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 70 sqft |
| Deck Area | Deck Area |
| Patio Area | 165 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A953000560 |
|---|---|
| Street Address | 964 COTTONTAIL LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-7326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOMERSET HILLS #1 LOT 41 |
| Legal Subdivision | SOMERSET HILLS #1 |
| Legal Lot Number | 41 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 311148 |
964 Cottontail Ln is owned and occupied by two individuals who bought it in November 2025.
Source: St. Charles County records, as of September 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 964 COTTONTAIL LN, SAINT CHARLES, MO 63303-7326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 19, 2025 | Warranty Deed, Transfer · FHA Mortgage GENEVA FINANCIAL LLC |
| Oct 16, 2020 | Deed of Trust, Mortgage CARROLLTON BK |
| Mar 7, 2019 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2025 · Amount on File |
| Deed Sale | Nov 19, 2025 · Amount on File |
| Prior Sale | Mar 7, 2019 · Amount on File |
| Deed Document Number | 202552092 |
| Prior Transfer Date | Oct 18, 2006 |
| Prior Transfer Doc | 0046072304 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 19, 2025 |
| Property Address | 964 COTTONTAIL LN, SAINT CHARLES, MO 63303-7326 |
| Document Number | 0000052092 |
| Map Reference | MB 31 PG 358-360 |
| Instrument Date | Nov 17, 2025 |
| Instrument | 2025R-052092 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2025 |
| Title Company | OLD REPUBLIC TITLE, ORT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 964 COTTONTAIL LN, SAINT CHARLES, MO 63303-7326 |
| Investor | Possibly a Property Investor |
| Document Number | 0000052093 |
|---|---|
| Date | Nov 19, 2025 |
| Instrument | 2025R-052093 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 964 COTTONTAIL LN, SAINT CHARLES, MO 63303-7326 |
| Document Number | 0000080852 |
| Instrument Date | Oct 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 964 COTTONTAIL LN ST CHARLES MO 633037326, ST CHARLES, MO 63303-7326 |
| Document Number | 0000080852 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 80852 |
| Name | CARROLLTON BK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63146 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Oct 22, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 7, 2019 |
| Property Address | 964 COTTONTAIL LN, SAINT CHARLES, MO 63303-7326 |
| Document Number | 0070432204 |
| Book / Page | 7043 / 2204 |
| Map Reference | MB 31 PG 358-360 |
| Instrument Date | Feb 26, 2019 |
| Instrument | 20190307000101380 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 964 COTTONTAIL LN, SAINT CHARLES, MO 63303-7326 |
| Document Number | 20190307000101390 |
|---|---|
| Date | Mar 7, 2019 |
| Instrument | 20190307000101390 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2049 |
The 2025 property tax bill for 964 Cottontail Ln was $4,888.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $81,530 (-) | $429,104 (-) Land $80,000 Building $349,104 | |
| 2025 | $4,888.00 | $81,530 | $429,104 Land $80,000 Building $349,104 |
| 2023 | $74,893 (+25.57%) | ||
| 2022 | $3,976.00 | $59,641 | $394,174 (+25.57%) Land $60,000 Building $334,174 |
| 2021 | $313,901 Land $50,000 Building $263,901 |
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.
FEMA maps place 964 Cottontail Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1983.
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 | 3 (1983–1995) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | May 1995 · Severe Storms, Tornadoes, Hail, 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.
The area around 964 Cottontail Ln has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 378 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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