St. Charles County property record for 2909 Elm St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,525 sqft · built 1963 |
| Lot Size | 0.205 acres (8,925 sqft) |
| Owner | Company Name on File |
| Deeds & Mortgages | Feb 2022 Transfer Feb 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 038000A000 |
| Primary APN | 038000A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,525 sqft Living Area |
| Gross Area | 3,280 sqft |
| 1st Floor Area | 1,525 sqft |
| Basement Area | 1,215 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,925 sqft (0.205 acres) |
| Lot Dimensions | 105 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 038000A000 |
|---|---|
| Street Address | 2909 ELM ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | CARDINAL WOOD #3 LOT 96 |
| Legal Subdivision | CARDINAL WOOD #3 |
| Legal Lot Number | 96 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 310602 |
2909 Elm St, a single family home, is owned by a company.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2909 ELM ST, SAINT CHARLES, MO 63301-4619 |
| Owner Type | Company |
| Vesting | Borrower in Default |
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 |
|---|---|
| Feb 10, 2022 | Affidavit of Death of Joint Tenant, Transfer |
| Feb 10, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 10, 2022 |
| Property Address | 2909 ELM ST, SAINT CHARLES, MO 63301-4619 |
| Document Number | 0000008241 |
| Map Reference | MB 8 PG 46 |
| Instrument Date | Feb 10, 2022 |
| Instrument | 2022R-008241 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 2909 ELM ST, SAINT CHARLES, MO 63301-4619 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 10, 2022 |
| Property Address | 2909 ELM ST, SAINT CHARLES, MO 63301-4619 |
| Document Number | 0000008245 |
| Map Reference | MB 8 PG 46 |
| Instrument Date | Feb 10, 2022 |
| Instrument | 2022R-008245 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2909 ELM ST, SAINT CHARLES, MO 63301-4619 |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $48,920 | $257,474 Land $40,000 Building $217,474 |
| 2023 | $45,551 | |
| 2022 | $239,745 Land $40,000 Building $199,745 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2909 Elm St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1978.
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 |
| Nearby Flood Claims | 12 (1978–2012) |
| Claims Outside the SFHA | 6 of 12 |
| Most Recent Claim | May 2012 · rainfall accumulation |
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 2909 Elm St 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 515 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: i3 Broadband.
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