St. Charles County property record for 1010 N 3rd St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 2,899 sqft · built 1880 |
| Lot Size | 0.2 acres (8,700 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,474 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 004870A000 |
| Primary APN | 004870A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,899 sqft Living Area |
| Gross Area | 3,786 sqft |
| 1st Floor Area | 2,603 sqft |
| Basement Area | 1,183 sqft |
| Finished Basement | 296 sqft |
| Unfinished Basement | 887 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 8,700 sqft (0.2 acres) |
| Lot Dimensions | 150 ft deep x 58 ft wide |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 91 sqft |
| Patio Area | 140 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 004870A000 |
|---|---|
| Street Address | 1010 N 3RD ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF2 |
| Legal Description | PT CITY BLK 60 |
| Legal Subdivision | CITY/ST CHARLES |
| Legal Block | 60 |
| Legal Lot Number | 5 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2088 |
| Census Tract | 310400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Frenchtown Historic District listed 1991 · 206 contributing resources · NRIS 91000216 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 1010 N 3RD ST, SAINT CHARLES, MO 63301-2003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $55,458 (-) | $291,884 (-) Land $50,000 Building $241,884 | |
| 2025 | $3,474.00 | $55,458 (+3.37%) | $291,884 (+3.37%) Land $50,000 Building $241,884 |
| 2023 | $53,650 | ||
| 2022 | $282,369 Land $37,500 Building $244,869 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 55 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 89 (1979–2022) |
| Claims Outside the SFHA | 19 of 89 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 670 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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