St. Charles County property record for 2201 N 3rd St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 928 sqft · built 1949 |
| Lot Size | 0.158 acres (6,860 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $105,000 (Jan 2022) |
| Tax Bill | $1,481 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Apr 2022 Mortgage + 5 more |
| Flood Zone | Zone AE (high risk) |
| APN | 082790A000 |
| Primary APN | 082790A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 928 sqft Living Area |
| Gross Area | 1,656 sqft |
| 1st Floor Area | 928 sqft |
| Basement Area | 728 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,860 sqft (0.158 acres) |
| Lot Dimensions | 140 ft deep x 49 ft wide |
| Garage Type | Detached |
| Garage Area | 220 sqft |
| Porch | Porch |
| Porch Area | 100 sqft |
| Patio Area | 168 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 082790A000 |
|---|---|
| Street Address | 2201 N 3RD ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0961 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AC1 |
| Legal Description | ROOSEVELT PL ADDN BLK 12 LOT 10 |
| Legal Subdivision | ROOSEVELT PL ADDN |
| Legal Block | 12 |
| Legal Lot Number | 10 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 310400 |
Source: St. Charles County records, as of August 17, 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 | 2201 N 3RD ST, SAINT CHARLES, MO 63301-0961 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 5, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Apr 19, 2022 | Deed of Trust, Mortgage · FHA Mortgage DELMAR FINANCIAL CO |
| Aug 27, 2025 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Oct 11, 2024 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Apr 9, 2024 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 20, 2025 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jan 3, 2022 | Warranty Deed, Transfer · FHA Mortgage DELMAR FINANCIAL CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2022 · Amount on Record |
| Deed Sale | Jan 3, 2022 · Amount on Record |
| Prior Sale | May 3, 2012 · Amount on Record |
| Deed Document Number | 202274 |
| Prior Transfer Date | Mar 16, 2004 |
| Prior Transfer Doc | 0000288290 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 5, 2026 |
| Property Address | 2201 N 3RD ST, SAINT CHARLES, MO 63301-0961 |
| Document Number | 0000037167 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202637167 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2201 N 3RD ST, SAINT CHARLES, MO 63301-0961 |
| Document Number | 0000037167, |
|---|---|
| Date | Aug 5, 2026 |
| Instrument | 202637167 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Jul 1, 2066 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2201 N 3RD ST, SAINT CHARLES, MO 63301-0961 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 37 SAINT KATHLEEN CT, TROY, MO 63379-5678 |
| Document Number | 0000022390 |
|---|---|
| Date | Apr 19, 2022 |
| Instrument | 2022R-022390 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Address | SAINT LOUIS, MO 63141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2201 N 3RD ST, SAINT CHARLES, MO 63301-0961 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2201 N 3RD ST, SAINT CHARLES, MO 63301-0961 |
| Document Number | 0000037589 |
|---|---|
| Date | Aug 27, 2025 |
| Instrument | 2025R-037589 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | SAINT CHARLES, MO 63301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 317 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2201 N 3RD ST, SAINT CHARLES, MO 63301-0961 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2201 N 3RD ST, SAINT CHARLES, MO 63301-0961 |
| Document Number | 0000042315 |
|---|---|
| Date | Oct 11, 2024 |
| Instrument | 2024R-042315 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 327 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2201 N 3RD ST, SAINT CHARLES, MO 63301-0961 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2201 N 3RD ST, SAINT CHARLES, MO 63301-0961 |
| Document Number | 0000013166 |
|---|---|
| Date | Apr 9, 2024 |
| Instrument | 2024R-013166 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2201 N 3RD ST, SAINT CHARLES, MO 63301-0961 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2201 N 3RD ST, SAINT CHARLES, MO 63301-0961 |
| Document Number | 0000010942 |
|---|---|
| Date | Mar 20, 2025 |
| Instrument | 2025R-010942 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 322 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 3, 2022 |
| Property Address | 2201 N 3RD ST, SAINT CHARLES, MO 63301-0961 |
| Document Number | 0000000074 |
| Map Reference | MB 3 PG 43 |
| Instrument Date | Dec 22, 2021 |
| Instrument | 2022R-000074 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | STATE LOUIS COMPANY TITLE (SLCTC), STL |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 312 GUM TREE DR, SAINT CHARLES, MO 63301-1294 |
| Name | Verified Name |
|---|---|
| Address | 2201 N 3RD ST, SAINT CHARLES, MO 63301-0961 |
| Document Number | 0000000075 |
|---|---|
| Date | Jan 3, 2022 |
| Instrument | 2022R-000075 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
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 | $23,346 (-) | $122,875 (-) Land $36,000 Building $86,875 | |
| 2025 | $1,481.00 (-6.15%) | $23,346 (+6.07%) | $122,875 (+6.08%) Land $36,000 Building $86,875 |
| 2024 | $1,578.00 | ||
| 2023 | $22,009 | ||
| 2022 | $115,835 Land $30,000 Building $85,835 |
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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