1101 N 3rd St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1101 N 3rd St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 2,099 sqft · built 1900
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Trust Names on File
Last Sale	$376,000 (Dec 2021)
Tax Bill	$3,660 (2024)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`008870A000`

Property Details

APN / Parcel Number

Primary APN	`008870A000`
Alternative APN	`6-009A-B100-00-0009.0000000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,099 sqft Living Area
Gross Area	3,525 sqft
1st Floor Area	2,099 sqft
Basement Area	1,426 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Porch	Open Porch
Porch Area	477 sqft
Patio Area	501 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	008870A000
Street Address	1101 N 3RD ST
City	SAINT CHARLES
State	MO
Zip	63301-2004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT CITY BLK 100
Legal Subdivision	LSL BRIDLESPUR RESUB LT 38-42
Legal Block	100
Legal Lot Number	9
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2066
Census Tract	310400

Historic Designation

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.

Owner

1101 N 3rd St is owner-occupied and held in a trust since December 2021.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1101 N 3RD ST, SAINT CHARLES, MO 63301-2004
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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	2 Names on Deed
Last Sale	Dec 13, 2021 · Amount on File
Deed Sale	Dec 13, 2021 · Amount on File
Prior Sale	Oct 27, 2016
Deed Document Number	2021100304
Prior Transfer Date	Mar 6, 2007
Prior Transfer Doc	0047092343
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 13, 2021
Property Address	1101 N 3RD ST, SAINT CHARLES, MO 63301-2004
Document Number	0000100304
Instrument Date	Dec 8, 2021
Instrument	2021R-100304
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1101 N 3RD ST, 1101, SAINT CHARLES, MO 63301-2004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1101 N 3RD ST, SAINT CHARLES, MO 63301-2004

Mortgage

Document Number	0000100305
Date	Dec 13, 2021
Instrument	2021R-100305

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$60,046 (-)	$316,035 (-) Land $50,000 Building $266,035
2025		$60,046	$316,035 Land $50,000 Building $266,035
2024	$3,660.00
2023		$57,084
2022			$300,443 Land $37,500 Building $262,943

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 1101 N 3rd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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	Severe Storms And Flooding, Jul 2022 · 4 claims Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Jun 2013 · 2 claims Severe Storms & Flooding, Sep 1993 · 55 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 1101 N 3rd St is low, with less than 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 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.

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 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