St. Charles County property record for 3 Clover Ln, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,647 sqft · built 1959 |
| Lot Size | 1.12 acres (48,840 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1 (Jun 2023) |
| Tax Bill | $3,296 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Jun 2023 Re-recorded Document + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 043320A000 |
| Primary APN | 043320A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,647 sqft Living Area |
| Gross Area | 3,971 sqft |
| 1st Floor Area | 1,765 sqft |
| Basement Area | 1,765 sqft |
| Finished Basement | 882 sqft |
| Unfinished Basement | 883 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 48,840 sqft |
| Lot Dimensions | 407 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 043320A000 |
|---|---|
| Street Address | 3 CLOVER LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | COUNTRY SIDE AC LOT 3 |
| Legal Subdivision | COUNTRY SIDE AC |
| Legal Lot Number | 3 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 310301 |
Source: St. Charles County records, as of September 10, 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 | Company Name on Record |
|---|---|
| Mailing Address | 3600 CANAL ST, SAINT CHARLES, MO 63301-8512 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Aug 5, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST MID IL BANK AND TRUST |
| Jun 15, 2023 | Re-recorded Document |
| Jan 12, 2022 | Deed of Trust, Mortgage FCB BANKS |
| Jan 12, 2022 | Deed of Trust, Mortgage FCB BANKS |
| Feb 28, 2017 | Warranty Deed, Transfer · Commercial Mortgage FCB COLLINSVILLE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2023 · Amount on Record |
| Deed Sale | Jun 15, 2023 · Amount on Record |
| Prior Sale | Feb 28, 2017 · Amount on Record |
| Deed Document Number | 202323206 |
| Prior Transfer Date | Jun 14, 2023 |
| Prior Transfer Doc | 0000023206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 5, 2026 |
| Property Address | 3 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Document Number | 0000037125 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 202637125 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 3600 CANAL ST, SAINT CHARLES, MO 63301-8512 |
| Document Number | 0000037125, |
|---|---|
| Date | Aug 5, 2026 |
| Instrument | 202637125 |
| Name | FIRST MID IL BANK AND TRUST |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 30, 2031 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 15, 2023 |
| Property Address | 3 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Document Number | 0000023206 |
| Map Reference | MB 6 PG 50 |
| Instrument Date | Jun 14, 2023 |
| Instrument | 2023R-023206 |
| Record Updated | Jun 29, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 3600 CANAL ST, SAINT CHARLES, MO 63301-8512 |
| Name | Verified Name |
|---|---|
| Address | 3600 CARIL ST, SAINT CHARLES, MO 63301 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Document Number | 0000002777 |
|---|---|
| Date | Jan 12, 2022 |
| Instrument | 2022R-002777 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Address | COLLINSVILLE, IL 62234 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Document Number | 0000002776 |
|---|---|
| Date | Jan 12, 2022 |
| Instrument | 2022R-002776 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Address | COLLINSVILLE, IL 62234 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 28, 2017 |
| Property Address | 3 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Document Number | 0000123700 |
| Book / Page | 6705 / 0755 |
| Map Reference | MB 6 PG 50 |
| Instrument Date | Feb 24, 2017 |
| Instrument | 20170228000123700 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1387 E OLD STEWART RD, 1387, WILLCOX, AZ 85643-3256 |
| Name | Verified Name |
|---|---|
| Address | 3 CLOVER LN, SAINT CHARLES, MO 63301-0510 |
| Document Number | 0000123710 |
|---|---|
| Date | Feb 28, 2017 |
| Instrument | 20170228000123710 |
| Name | FCB COLLINSVILLE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $52,588 (-) | $276,778 (-) Land $75,000 Building $201,778 | |
| 2025 | $3,296.00 (+1.14%) | $52,588 (+3.59%) | $276,778 (+3.59%) Land $75,000 Building $201,778 |
| 2024 | $3,259.00 (+6.5%) | ||
| 2023 | $50,765 (+14%) | ||
| 2022 | $3,060.00 | $44,529 | $267,183 (+14%) Land $62,500 Building $204,683 |
| 2021 | $234,364 Land $62,500 Building $171,864 |
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 75 (1979–2015) |
| Claims Outside the SFHA | 1 of 75 |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, 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 | Not rated no burnable land within 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 311 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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