St. Charles County property record for 2389 Chemin Ave, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,468 sqft · built 2018 |
| Lot Size | 0.407 acres (17,772 sqft) |
| Owner | Individual Name on File |
| Last Sale | $401,229 (Dec 2018) |
| Tax Bill | $6,664 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T180600071 |
| Primary APN | T180600071 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,468 sqft Living Area |
| Basement Area | 2,468 sqft |
| Year Built | Built 2018 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Stone |
| Lot Area | 17,772 sqft (0.407 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T180600071 |
|---|---|
| Street Address | 2389 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 129 |
| Legal Range | 05E |
| Legal Township | 47N |
| Legal Subdivision | VLGS OF PROVENCE #3 |
| Legal Lot Number | 129 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 310302 |
2389 Chemin Ave is owned and occupied by an individual who bought it in December 2018.
Source: St. Charles County records, as of March 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2389 CHEMIN AVE, SAINT CHARLES, MO 63301-5019 |
| 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.
| Date | Document |
|---|---|
| Jun 22, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK |
| Sep 25, 2020 | Deed of Trust, Mortgage · VA Mortgage CENTRAL BK/ST LOUIS |
| Sep 3, 2019 | Deed of Trust, Mortgage · VA Mortgage CENTRAL BK/ST LOUIS |
| Dec 11, 2018 | Warranty Deed, Subdivision Related Transfer · VA Mortgage MIDLAND STATES BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2018 · Amount on File |
| Deed Sale | Dec 11, 2018 · Amount on File |
| Deed Document Number | 0007013839 |
| Deed Book / Page | 7013 / 839 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2389 CHEMIN AVE, SAINT CHARLES, MO 63301-5019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2023 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 2389 CHEMIN AVE, SAINT CHARLES, MO 63301-5019 |
| Document Number | 0000024262 |
|---|---|
| Date | Jun 22, 2023 |
| Instrument | 2023R-024262 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Address | JEFFERSON CITY, MO 65101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 25, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.75% |
| Type Change Date | Jun 25, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 13.7% |
| Index | 1-Year T-Bill |
| Max Rate | 13.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2389 CHEMIN AVE, SAINT CHARLES, MO 63301-5019 |
| Document Number | 0000080009 |
| Instrument Date | Sep 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2021 |
| Title Company | ORT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2389 CHEMIN AVE ST CHARLES MO 633015019, ST CHARLES, MO 63301-5019 |
| Document Number | 0000080009 |
|---|---|
| Date | Oct 21, 2020 |
| Instrument | 80009 |
| Name | CENTRAL BK/ST LOUIS |
|---|---|
| Address | SAINT LOUIS, MO 63105-1809 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 20, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2389 CHEMIN AVE, SAINT CHARLES, MO 63301-5019 |
| Document Number | 0071381766 |
| Instrument Date | Sep 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2389 CHEMIN AVE ST CHARLES MO 633015019, ST CHARLES, MO 63301-5019 |
| Document Number | 0071381766 |
|---|---|
| Date | Sep 9, 2019 |
| Book Page | 007138/001766 |
| Instrument | 486980 |
| Name | CENTRAL BK/ST LOUIS |
|---|---|
| Address | SAINT LOUIS, MO 63105-1809 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 8, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 11, 2018 |
| Property Address | 2389 CHEMIN AVE, SAINT CHARLES, MO 63301-5019 |
| Document Number | 0070130839 |
| Book / Page | 7013 / 0839 |
| Map Reference | MB 49 PG 190 |
| Instrument Date | Dec 11, 2018 |
| Instrument | 20181211000692530 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16141 SWINGLEY RIDGE RD # RD109, 16141, CHESTERFIELD, MO 63017-1774 |
| Name | Verified Name |
|---|---|
| Address | 2389 CHEMIN AVE, SAINT CHARLES, MO 63301-5019 |
| Document Number | 20181211000692540 |
|---|---|
| Date | Dec 11, 2018 |
| Instrument | 20181211000692540 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
The 2025 property tax bill for 2389 Chemin Ave was $6,664.
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 | $6,664.00 | $106,833 | $562,276 Land $90,000 Building $472,276 |
| 2023 | $105,712 | ||
| 2022 | $556,380 Land $65,000 Building $491,380 |
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.
FEMA maps place 2389 Chemin Ave in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2002.
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.
Wildfire risk around 2389 Chemin Ave is low, with less than 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 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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