St. Charles County property record for 3 Denbrook Ter, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,676 sqft · built 2023 |
| Lot Size | 0.177 acres (7,706 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $450,422 (Apr 2024) |
| Tax Bill | $5,344 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Jul 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | T220700076 |
| Primary APN | T220700076 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,676 sqft Living Area |
| Gross Area | 3,352 sqft |
| 1st Floor Area | 1,676 sqft |
| Basement Area | 1,676 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 7,706 sqft (0.177 acres) |
| Parking Spaces | 2 Parking Spaces |
| Account Number | T220700076 |
|---|---|
| Street Address | 3 DENBROOK TER |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4871 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MANORS AT ELMHAVEN LOT 30 |
| Legal Subdivision | MANORS AT ELMHAVEN |
| Legal Lot Number | 30 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2026 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2024 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STIFEL BANK & TRUST |
| Jul 17, 2023 | Deed of Trust, Mortgage · Line of Credit LINDELL BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2024 · Amount on Record |
| Deed Sale | Apr 29, 2024 · Amount on Record |
| Deed Document Number | 202416119 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 29, 2024 |
| Property Address | 3 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Document Number | 0000016119 |
| Map Reference | DOC 2021R-069564 |
| Instrument Date | Apr 26, 2024 |
| Instrument | 2024R-016119 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 13, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 695 TRADE CENTER BLVD # BLVD200, BLVD200, CHESTERFIELD, MO 63005-1228 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Document Number | 0000016120 |
|---|---|
| Date | Apr 29, 2024 |
| Instrument | 2024R-016120 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3 DENBROOK TER, SAINT CHARLES, MO 63301-4871 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2023 |
| Name | Verified Name |
|---|---|
| Address | 695 TRADE CENTER BLVD 200, 200, CHESTERFIELD, MO 63005-1276 |
| Investor | Possibly a Property Investor |
| Document Number | 0000028350 |
|---|---|
| Date | Jul 17, 2023 |
| Instrument | 2023R-028350 |
| Name | LINDELL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $86,824 (+1.45%) | $456,971 (+1.45%) Land $80,000 Building $376,971 | |
| 2025 | $5,344.00 | $85,580 (+463.03%) | $450,422 (+463.03%) Land $80,000 Building $370,422 |
| 2023 | $15,200 | ||
| 2022 | $80,000 Land $80,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 | Low lower than 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 430 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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