St. Charles County property record for 1027 N 3rd St, Saint Charles, MO 63301
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,496 sqft · built 1890 |
| Lot Size | 0.239 acres (10,400 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $166,500 (Oct 2021) |
| Tax Bill | $2,330 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 008830A000 |
| Primary APN | 008830A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,496 sqft Living Area |
| Gross Area | 2,456 sqft |
| 1st Floor Area | 1,496 sqft |
| Basement Area | 960 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,400 sqft (0.239 acres) |
| Lot Dimensions | 160 ft deep x 65 ft wide |
| Terrain | Rolling |
| Porch | Open Porch |
|---|---|
| Porch Area | 192 sqft |
| Deck Area | Deck Area |
| Patio Area | 264 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 008830A000 |
|---|---|
| Street Address | 1027 N 3RD ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2002 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | AF2 |
| Legal Description | PT CITY BLK 99 |
| Legal Subdivision | CITY/ST CHARLES |
| Legal Block | 99 |
| Legal Lot Number | 1 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2082 |
| 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 September 10, 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 | 617 N 6TH ST, SAINT CHARLES, MO 63301-1907 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 4, 2023 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Oct 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage CNB ST LOUIS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2021 · Amount on Record |
| Deed Sale | Oct 19, 2021 · Amount on Record |
| Prior Sale | Mar 21, 2005 · Amount on Record |
| Deed Document Number | 202186374 |
| Prior Transfer Date | Jan 5, 2006 |
| Prior Transfer Doc | 0043870619 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1027 N 3RD ST, SAINT CHARLES, MO 63301-2002 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1027 N 3RD ST, SAINT CHARLES, MO 63301-2002 |
| Document Number | 0000049260 |
|---|---|
| Date | Dec 4, 2023 |
| Instrument | 2023R-049260 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 19, 2021 |
| Property Address | 1027 N 3RD ST, SAINT CHARLES, MO 63301-2002 |
| Document Number | 2021R086374 |
| Instrument Date | Oct 1, 2021 |
| Instrument | 2021R-086374 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2021 |
| Title Company | SYNERGY TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3509 BARTER ST, 3509, SAINT CHARLES, MO 63301-8157 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1027 N 3RD ST, SAINT CHARLES, MO 63301-2002 |
| Document Number | 2021R086376 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 2021R-086376 |
| Name | CNB ST LOUIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
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 | $37,021 (-) | $194,846 (-) Land $45,000 Building $149,846 | |
| 2025 | $2,330.00 (+8.62%) | $37,021 (+11.38%) | $194,846 (+11.38%) Land $45,000 Building $149,846 |
| 2024 | $2,145.00 | ||
| 2023 | $33,239 | ||
| 2022 | $174,941 Land $45,000 Building $129,941 |
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.
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 |
| 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures