St. Charles County property record for 2012 N 3rd St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 948 sqft · built 1929 |
| Lot Size | 0.119 acres (5,227 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $195,000 (Jul 2024) |
| Tax Bill | $2,073 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Sep 2021 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 080540A000 |
| Primary APN | 080540A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 948 sqft Living Area |
| 1st Floor Area | 948 sqft |
| Basement Area | 676 sqft |
| Year Built | Built 1929 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 5,227 sqft (0.119 acres) |
| Lot Dimensions | 140 ft deep x 40 ft wide |
| Garage Type | Attached |
| Porch | Porch |
| Porch Area | 244 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 080540A000 |
|---|---|
| Old Parcel Number | 080540A000 |
| Street Address | 2012 N 3RD ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0958 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | RIVERSIDE VIEW ADDN BLK 1 LOT 9 |
| Legal Range | 05E |
| Legal Township | 47N |
| Legal Subdivision | RIVERSIDE VIEW ADDN-ST CHAS |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 310400 |
Source: St. Charles County records, as of March 16, 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 | 2012 N 3RD ST, SAINT CHARLES, MO 63301-0958 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST |
| Sep 17, 2021 | Warranty Deed, Transfer DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC |
| Sep 17, 2021 | Warranty Deed, Transfer DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2024 · Amount on Record |
| Deed Sale | Jul 3, 2024 · Amount on Record |
| Prior Sale | Apr 14, 2022 |
| Deed Document Number | 0202426256 |
| Deed Book / Page | 2024 / 26256 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 14, 2022 |
| Property Address | 2012 N 3RD ST, SAINT CHARLES, MO 63301-0958 |
| Document Number | 0000021410 |
| Map Reference | MB 3 PG 35 |
| Instrument Date | Apr 11, 2022 |
| Instrument | 2022R-021410 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | US TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 604 WILMER MEADOW DR, WENTZVILLE, MO 63385-4406 |
| Name | Verified Name |
|---|---|
| Address | 2012 N 3RD ST, SAINT CHARLES, MO 63301-0958 |
| Document Number | 0000021411 |
|---|---|
| Date | Apr 14, 2022 |
| Instrument | 2022R-021411 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 17, 2021 |
| Property Address | 2012 N 3RD ST, SAINT CHARLES, MO 63301-0958 |
| Document Number | 0000078036 |
| Map Reference | MB 3 PG 35 |
| Instrument Date | Sep 15, 2021 |
| Instrument | 2021R-078036 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 141 LAKE RIDGE DR, COTTLEVILLE, MO 63376-1813 |
| Name | Verified Name |
|---|---|
| Address | 3320 RUE ROYALE ST STE 1, 1, SAINT CHARLES, MO 63301-8322 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 17, 2021 |
| Property Address | 2012 N 3RD ST, SAINT CHARLES, MO 63301-0958 |
| Document Number | 0000078037 |
| Map Reference | MB 3 PG 35 |
| Instrument Date | Sep 15, 2021 |
| Instrument | 2021R-078037 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3320 RUE ROYALE ST STE 1, 1, SAINT CHARLES, MO 63301-8322 |
| Name | Verified Name |
|---|---|
| Address | 604 WILMER MEADOW DR, WENTZVILLE, MO 63385-4406 |
Source: St. Charles County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $2,073.00 | $32,883 (+8.11%) | $173,068 (+8.11%) Land $40,000 Building $133,068 |
| 2023 | $30,415 | ||
| 2022 | $160,079 Land $30,000 Building $130,079 |
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 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 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 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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