St. Charles County property record for 1101 Hemsath Rd, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,000 sqft · built 1954 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $285,000 (Jan 2022) |
| Tax Bill | $2,799 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Aug 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 451440A000 |
| Primary APN | 451440A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,000 sqft Living Area |
| Gross Area | 2,900 sqft |
| 1st Floor Area | 1,450 sqft |
| Basement Area | 1,450 sqft |
| Finished Basement | 550 sqft |
| Unfinished Basement | 900 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Built-Up Asphalt |
| Lot Area | 37,462 sqft (0.86 acres) |
| Garage Type | Carport |
| Garage Area | 260 sqft |
| Carport | Carport |
| Carport Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 451440A000 |
|---|---|
| Street Address | 1101 HEMSATH RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-5605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | PT SUR 3280 |
| Legal Subdivision | STEEN AND CUNNINGHAMS SUBDIVISION |
| Legal Lot Number | 52 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 310902 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 221 N BENTON AVE, SAINT CHARLES, MO 63301-1857 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 10, 2022 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 5, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF ST CHARLES MO |
| Aug 12, 2020 | Warranty Deed, Transfer OTHER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 10, 2022 · Amount on Record |
| Deed Sale | Jan 10, 2022 · Amount on Record |
| Prior Sale | Aug 12, 2020 · Amount on Record |
| Deed Document Number | 20221876 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 10, 2022 |
| Property Address | 1101 HEMSATH RD, SAINT CHARLES, MO 63303-5605 |
| Document Number | 0000001876 |
| Instrument Date | Dec 8, 2021 |
| Instrument | 2022R-001876 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2022 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 812 MIDPOINT DR, 812, O FALLON, MO 63366-5945 |
| Name | Verified Name |
|---|---|
| Address | 1101 HEMSATH RD, SAINT CHARLES, MO 63303-5605 |
| Document Number | 0000001877 |
|---|---|
| Date | Jan 10, 2022 |
| Instrument | 2022R-001877 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1101 HEMSATH RD, SAINT CHARLES, MO 63303-5605 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 806 MIDPOINT DR, O FALLON, MO 63366-5945 |
| Document Number | 2021R065540 |
|---|---|
| Date | Aug 5, 2021 |
| Instrument | 2021R-065540 |
| Name | FIRST STATE BANK OF ST CHARLES MO |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Jul 6, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 12, 2020 |
| Property Address | 1101 HEMSATH RD, SAINT CHARLES, MO 63303-5605 |
| Document Number | 0073700315 |
| Book / Page | 007370 / 000315 |
| Instrument Date | Aug 6, 2020 |
| Instrument | 578710 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2020 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 806 MIDPOINT DR O FALLON MO 633665945, O FALLON, MO 63366-5945 |
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 | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $48,457 (-) | $255,039 (-) Land $52,000 Building $203,039 | |
| 2025 | $2,799.00 | $48,457 (+2.02%) | $255,039 (+2.02%) Land $52,000 Building $203,039 |
| 2023 | $47,496 | ||
| 2022 | $249,979 Land $50,000 Building $199,979 |
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 11 (1979–2022) |
| 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 | 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 | 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 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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