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

St. Charles County property record for 98 Cinnamon Tree Ct, Saint Charles, MO 63304

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,472 sqft · built 1985
Lot Size0.44 acres (19,166 sqft)
Owner2 Individual Names on Record
Tax Bill$4,420 (2025)
Deeds & MortgagesDec 2022 Sale
May 2019 Mortgage
Flood ZoneZone X (minimal risk)
APNA850000979

Property Details

APN / Parcel Number

Primary APNA850000979
Alternative APN
  • 3-0112-5688-00-0742.0000000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,472 sqft Living Area
Gross Area4,096 sqft
1st Floor Area1,332 sqft
Basement Area1,140 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area19,166 sqft (0.44 acres)
Garage TypeAttached
Garage Area484 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area115 sqft
Patio Area794 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account NumberA850000979
Street Address98 CINNAMON TREE CT
CitySAINT CHARLES
StateMO
Zip63304-7266
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTIMBERWOOD TRLS #6 LOT 742
Legal SubdivisionTIMBERWOOD TRAILS #6
Legal Lot Number742
JurisdictionST CHARLES MO
Township / Civil DivisionCOTTLEVILLE
Census Block Group2
Census Block2018
Census Tract311114

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 Record2 Individual Names on Record
Mailing Address98 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7266
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 15, 2022Beneficiary Deed, Transfer
May 16, 2019Deed of Trust, Mortgage
THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateDec 14, 2022
Transfer Doc0000065855
Record UpdatedSep 20, 2026

December 2022: Beneficiary Deed, Transfer

Document TypeBeneficiary Deed
JurisdictionST CHARLES MO
Recording DateDec 15, 2022
Property Address98 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7266
Document Number0000065855
Map ReferenceMB 23 PG 64
Instrument DateDec 14, 2022
Instrument2022R-065855
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address98 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7266

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Revocable Trust
Address98 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7266

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address98 CINNAMON TREE CT, SAINT CHARLES, MO 63304-7266
Document Number0070782436
Instrument DateMay 16, 2019
Transaction TypeMortgage
Record UpdatedJun 12, 2019
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address98 CINNAMON TREE CT ST CHARLES MO 633047266, ST CHARLES, MO 63304-7266

Mortgage

Document Number0070782436
DateMay 24, 2019
Book Page007078/002436
Instrument249740
Lender
NameTHIRD FED'L S&L ASSN/CLEVELAND
AddressCLEVELAND, OH 44105
Agreement
AmountAmount Recorded
Term120 Months
DueMay 23, 2029

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$74,556 (-)$392,401 (-) Land $56,000 Building $336,401
2025$4,420.00$74,556 (+1.85%)$392,401 (+1.85%) Land $56,000 Building $336,401
2023$73,202
2022$385,273 Land $70,000 Building $315,273

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (1993)
Most Recent ClaimJul 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 RiskLow
lower than 98% of the US · lower than 96% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemMO AMERICAN ST LOUIS ST CHARLES COUNTIES
private · serves 1,111,000 people · EPA ID MO6010716
Water SourceSurface water
Last State InspectionFeb 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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