St. Charles County property record for 3 Moss Pointe Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,540 sqft · built 1995 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $415,000 (Dec 2023) |
| Tax Bill | $4,224 (2025) |
| Deeds & Mortgages | May 2023 Second Mortgage Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A953000419 |
| Primary APN | A953000419 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,540 sqft Living Area |
| Gross Area | 3,768 sqft |
| 1st Floor Area | 1,070 sqft |
| Basement Area | 980 sqft |
| Finished Basement | 490 sqft |
| Unfinished Basement | 490 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 738 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 50 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953000419 |
|---|---|
| Street Address | 3 MOSS POINTE CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6553 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COLLEGE STAT LOT 112 |
| Legal Subdivision | COLLEGE STAT |
| Legal Lot Number | 112 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311147 |
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3 MOSS POINTE CT, SAINT CHARLES, MO 63303-6553 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDWEST BANK CENTRE |
| Apr 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JLB CORP |
| Dec 1, 2023 | Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC |
| Jun 3, 2019 | Deed of Trust, Mortgage BANK OF SPRINGFIELD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2023 · Amount on Record |
| Deed Sale | Dec 1, 2023 · Amount on Record |
| Prior Sale | Jun 5, 2019 · Amount on Record |
| Deed Document Number | 202349059 |
| Prior Transfer Date | Sep 19, 2015 |
| Prior Transfer Doc | 0064280501 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3 MOSS POINTE CT, SAINT CHARLES, MO 63303-6553 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3 MOSS POINTE CT, SAINT CHARLES, MO 63303-6553 |
| Document Number | 0000018015 |
|---|---|
| Date | May 11, 2023 |
| Instrument | 2023R-018015 |
| Name | MIDWEST BANK CENTRE |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63135 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Apr 26, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3 MOSS POINTE CT, SAINT CHARLES, MO 63303-6553 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3 MOSS POINTE CT, SAINT CHARLES, MO 63303-6553 |
| Document Number | 0000034670 |
|---|---|
| Date | Apr 20, 2021 |
| Instrument | 2021R-034670 |
| Name | JLB CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 1, 2023 |
| Property Address | 3 MOSS POINTE CT, SAINT CHARLES, MO 63303-6553 |
| Document Number | 0000049059 |
| Map Reference | MB 31 PG 319 |
| Instrument Date | Nov 28, 2023 |
| Instrument | 2023R-049059 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5029 PACIFIC CREST TRL, SAINT CHARLES, MO 63304-8048 |
| Name | Verified Name |
|---|---|
| Address | 3 MOSS POINTE CT, SAINT CHARLES, MO 63303-6553 |
| Document Number | 0000049060 |
|---|---|
| Date | Dec 1, 2023 |
| Instrument | 2023R-049060 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3 MOSS POINTE CT, SAINT CHARLES, MO 63303-6553 |
| Document Number | 0070851043 |
| Instrument Date | Jun 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2019 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1113 CHADWICK DR COLUMBIA MO 652035675, COLUMBIA, MO 65203-5675 |
| Document Number | 0070851043 |
|---|---|
| Date | Jun 6, 2019 |
| Book Page | 007085/001043 |
| Instrument | 275440 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62703 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 5, 2049 |
| Rate | 4.25% |
|---|
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $70,396 (-) | $370,508 (-) Land $70,000 Building $300,508 | |
| 2025 | $4,224.00 (+4.63%) | $70,396 (+7.84%) | $370,508 (+7.84%) Land $70,000 Building $300,508 |
| 2024 | $4,037.00 | ||
| 2023 | $65,277 | ||
| 2022 | $343,563 Land $50,000 Building $293,563 |
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.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1982–1983) |
| Most Recent Claim | Apr 1983 · 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 98% of the US · lower than 96% 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 | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 443 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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