St. Charles County property record for 1913 N 3rd St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 662 sqft · built 1940 |
| Lot Size | 0.134 acres (5,850 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,185 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 009800A000 |
| Primary APN | 009800A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 662 sqft Living Area |
| Gross Area | 1,078 sqft |
| 1st Floor Area | 662 sqft |
| Basement Area | 416 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,850 sqft (0.134 acres) |
| Lot Dimensions | 150 ft deep x 39 ft wide |
| Porch | Open Porch |
| Porch Area | 96 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 009800A000 |
|---|---|
| Street Address | 1913 N 3RD ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE8 |
| Legal Description | PT CITY BLK 108 |
| Legal Block | 108 |
| Legal Lot Number | 10 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 310400 |
1913 N 3rd St is owned and occupied by two individuals who acquired it in August 2023.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1913 N 3RD ST, SAINT CHARLES, MO 63301-2122 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2023 |
| Deed Sale | Aug 10, 2023 |
| Deed Document Number | 202332188 |
| Prior Transfer Date | Mar 10, 2005 |
| Prior Transfer Doc | 0041201506 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 1913 N 3rd St was $1,185, down 1.7% from the year before.
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 | $18,584 (-) | $97,810 (-) Land $40,000 Building $57,810 | |
| 2025 | $1,185.00 (-1.74%) | $18,584 | $97,810 Land $40,000 Building $57,810 |
| 2024 | $1,206.00 | ||
| 2023 | $18,467 | ||
| 2022 | $97,189 Land $30,000 Building $67,189 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1913 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 |
|
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 risk around 1913 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.
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 354 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL 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 |
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