1604 N 3rd St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1604 N 3rd St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,064 sqft · built 1930
Lot Size	0.117 acres (5,100 sqft)
Owner	2 Individual Names on File
Last Sale	$90,000 (Apr 2020)
Tax Bill	$1,455 (2025)
Deeds & Mortgages	Apr 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`004290A000`

Property Details

APN / Parcel Number

Primary APN	`004290A000`
Alternative APN	`6-006D-B054-00-0008.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,064 sqft Living Area
Gross Area	1,688 sqft
1st Floor Area	1,064 sqft
Basement Area	624 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Multi-Level
Exterior Material	Shingles
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,100 sqft (0.117 acres)
Lot Dimensions	150 ft deep x 34 ft wide
Garage Type	Detached
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	64 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	004290A000
Street Address	1604 N 3RD ST
City	SAINT CHARLES
State	MO
Zip	63301-2118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT CITY BLK 54
Legal Subdivision	CITY/SAINTCHARLES
Legal Block	54
Legal Lot Number	8
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2063
Census Tract	310400

Owner

1604 N 3rd St is owned by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	709 N 4TH ST, SAINT CHARLES, MO 63301-2050
Owner Type	Individual

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	Apr 22, 2020 · Amount on File
Deed Sale	Apr 22, 2020 · Amount on File
Prior Sale	Apr 22, 2020 · Amount on File
Deed Document Number	2020252920
Deed Book / Page	7276 / 1496
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 22, 2020
Property Address	1604 N 3RD ST, SAINT CHARLES, MO 63301-2118
Document Number	0072761496
Book / Page	007276 / 001496
Instrument Date	Apr 21, 2020
Instrument	252920
Transaction Type	Transfer
Record Updated	Aug 17, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	709 N 4TH ST ST CHARLES MO 633012050, ST CHARLES, MO 63301-2050

Tax Assessment & Valuation

The 2025 property tax bill for 1604 N 3rd St was $1,455.

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		$22,931 (-)	$120,691 (-) Land $40,000 Building $80,691
2025	$1,455.00	$22,931	$120,691 Land $40,000 Building $80,691
2023		$22,877
2022			$120,410 Land $30,000 Building $90,410

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 1604 N 3rd St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 1604 N 3rd St 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	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