102 Arnold Pl, Saint Charles, MO 63303 Property Records

St. Charles County property record for 102 Arnold Pl, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,622 sqft · built 1956
Lot Size	0.459 acres (20,000 sqft)
Owner	Individual Name on File
Last Sale	$148,500 (Nov 2015)
Tax Bill	$3,495 (2025)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`440130A000`

Property Details

APN / Parcel Number

Primary APN	`440130A000`
Alternative APN	`3-0116-4203-00-0012.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,622 sqft Living Area
Gross Area	2,870 sqft
1st Floor Area	1,622 sqft
Basement Area	1,248 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,000 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	168 sqft
Deck Area	Deck Area
Patio Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	440130A000
Street Address	102 ARNOLD PL
City	SAINT CHARLES
State	MO
Zip	63303-5940
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	ARNOLD PL LOT 12 PT SUR 165
Legal Subdivision	ARNOLD PL
Legal Lot Number	12
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1021
Census Tract	311001

Owner

102 Arnold Pl is owned and occupied by an individual who bought it in November 2015.

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

Owner of Record	Individual Name on File
Mailing Address	102 ARNOLD PL, SAINT CHARLES, MO 63303-5940
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2015 · Amount on File
Deed Sale	Nov 3, 2015 · Amount on File
Prior Sale	Jan 8, 2007 · Amount on File
Deed Document Number	2015728820
Deed Book / Page	6445 / 1787
Prior Transfer Date	Oct 23, 1998
Prior Transfer Doc	0021530391
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	102 ARNOLD PL, SAINT CHARLES, MO 63303-5940
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068070312
Date	Sep 14, 2017
Book Page	6807/0312
Instrument	20170914000578170

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 102 Arnold Pl was $3,495, up 1.3% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$42,755 (-)	$225,026 (-) Land $50,000 Building $175,026
2025	$3,495.00 (+1.3%)	$42,755	$225,026 Land $50,000 Building $175,026
2024	$3,450.00
2023		$40,760
2022			$214,526 Land $40,000 Building $174,526

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.

Flood

FEMA maps place 102 Arnold Pl in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1978.

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	36 (1978–2019)
Claims Outside the SFHA	6 of 36
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2019 · 2 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 4 claims Severe Storms & Flooding, Aug 1993 · 12 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

Wildfire risk around 102 Arnold Pl is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20