St. Charles County property record for 2913 Elm St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,406 sqft · built 1963 |
| Lot Size | 0.215 acres (9,375 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $31,300 (Feb 2008) |
| Tax Bill | $2,835 (2025) |
| Deeds & Mortgages | Mar 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 037990A000 |
| Primary APN | 037990A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,406 sqft Living Area |
| Gross Area | 3,163 sqft |
| 1st Floor Area | 1,406 sqft |
| Basement Area | 1,406 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 | 9,375 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 351 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 60 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 037990A000 |
|---|---|
| Street Address | 2913 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 95 |
| Legal Subdivision | CARDINAL WOOD #3 |
| Legal Lot Number | 95 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 310602 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2913 ELM ST, SAINT CHARLES, MO 63301-4619 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 2008 · Amount on Record |
| Deed Sale | Feb 22, 2008 · Amount on Record |
| Prior Sale | Mar 13, 2006 |
| Deed Document Number | 2008126870 |
| Deed Book / Page | 4933 / 658 |
| Prior Transfer Date | Mar 8, 2006 |
| Prior Transfer Doc | 0000208160 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2913 ELM ST, SAINT CHARLES, MO 63301-4619 |
| Document Number | 0068881488 |
| Instrument Date | Mar 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2018 |
| Name | Verified Name |
|---|---|
| Address | 2913 ELM ST ST CHARLES MO 633014619, ST CHARLES, MO 63301-4619 |
| Document Number | 0068881488 |
|---|---|
| Date | Mar 8, 2018 |
| Book Page | 006888/001488 |
| Instrument | 123620 |
| Name | PROVIDENCE BK |
|---|---|
| Type | Bank |
| Address | SAINT PETERS, MO 63376 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $45,164 (-) | $237,707 (-) Land $40,000 Building $197,707 | |
| 2025 | $2,835.00 (+27.93%) | $45,164 (+7.38%) | $237,707 (+7.38%) Land $40,000 Building $197,707 |
| 2023 | $42,059 (+30.96%) | ||
| 2022 | $2,216.00 | $32,117 | $221,361 (+30.95%) Land $40,000 Building $181,361 |
| 2021 | $169,039 Land $36,000 Building $133,039 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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