St. Charles County property record for 2385 Chemin Ave, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,195 sqft · built 2017 |
| Lot Size | 0.365 acres (15,899 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $589,840 (Aug 2026) |
| Tax Bill | $6,322 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Oct 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T180600070 |
| Primary APN | T180600070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 4,595 sqft Living Area |
| Gross Area | 5,735 sqft |
| 1st Floor Area | 1,975 sqft |
| Basement Area | 1,900 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 15,899 sqft (0.365 acres) |
| Garage Type | Attached |
| Garage Area | 640 sqft |
| Parking Spaces | 3 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T180600070 |
|---|---|
| Street Address | 2385 CHEMIN AVE |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-5019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VLGS OF PROVENCE #3 LOT 128 |
| Legal Subdivision | VLGS OF PROVENCE #3 |
| Legal Lot Number | 128 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 310302 |
Source: St. Charles County records, as of September 14, 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 | 2385 CHEMIN AVE, SAINT CHARLES, MO 63301-5019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Aug 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Oct 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2026 · Amount on Record |
| Deed Sale | Aug 17, 2026 · Amount on Record |
| Prior Sale | Aug 20, 2025 · Amount on Record |
| Deed Document Number | 202639202 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 17, 2026 |
| Property Address | 2385 CHEMIN AVE, SAINT CHARLES, MO 63301-5019 |
| Document Number | 0000039202 |
| Instrument Date | Aug 3, 2026 |
| Instrument | 202639202 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2385 CHEMIN AVE, SAINT CHARLES, MO 63301-5019 |
| Investor | Possibly a Property Investor |
| Document Number | 0000039203, |
|---|---|
| Date | Aug 17, 2026 |
| Instrument | 202639203 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 14, 2022 |
| Property Address | 2385 CHEMIN AVE, SAINT CHARLES, MO 63301-5019 |
| Document Number | 0000056352 |
| Map Reference | MB 49 PG 190 |
| Instrument Date | Oct 11, 2022 |
| Instrument | 2022R-056352 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 29 NINEVAH RD, SILEX, MO 63377-3022 |
| Name | Verified Name |
|---|---|
| Address | 2385 CHEMIN AVE, SAINT CHARLES, MO 63301-5019 |
| Document Number | 0000056353 |
|---|---|
| Date | Oct 14, 2022 |
| Instrument | 2022R-056353 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 7.12% |
| Index | 1-Year CMT |
| Max Rate | 9.12% |
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 | $101,333 (-) | $533,332 (-) Land $90,000 Building $443,332 | |
| 2025 | $6,322.00 (+1.79%) | $101,333 (+4.24%) | $533,332 (+4.24%) Land $90,000 Building $443,332 |
| 2024 | $6,211.00 | ||
| 2023 | $97,208 | ||
| 2022 | $511,622 Land $65,000 Building $446,622 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 7 (2002–2022) |
| Claims Outside the SFHA | 1 of 7 |
| 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 99.1% of the US · lower than 98.2% 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.
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 449 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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