3 Norwell Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3 Norwell Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,222 sqft · built 1978
Lot Size	0.201 acres (8,750 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (May 2026)
Tax Bill	$3,311 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2025 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`523620B033`

Property Details

APN / Parcel Number

Primary APN	`523620B033`
Alternative APN	`3-0016-5222-00-0017.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,222 sqft Living Area
Gross Area	3,282 sqft
1st Floor Area	1,122 sqft
Basement Area	860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Exterior Material	Wood
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	8,750 sqft (0.201 acres)
Lot Dimensions	175 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	523620B033
Street Address	3 NORWELL CT
City	SAINT CHARLES
State	MO
Zip	63304-6927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SOUTHGATE #1 LOT 17
Legal Subdivision	SOUTHGATE #1
Legal Lot Number	17
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2024
Census Tract	311149

Owner

3 Norwell Ct is owned and occupied by two individuals who bought it in May 2026.

Source: St. Charles County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 NORWELL CT, SAINT CHARLES, MO 63304-6927
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Warranty Deed, Transfer · Conventional Mortgage PNC BANK
Nov 19, 2025	Warranty Deed, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE COMPANY INC
Nov 19, 2025	Affidavit of Death of Joint Tenant, Transfer INVESTORS TITLE COMPANY
Dec 15, 2022	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Nov 19, 2025 · Amount on File
Deed Document Number	202624954
Prior Transfer Date	Nov 18, 2025
Prior Transfer Doc	0000052268
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 28, 2026
Property Address	3 NORWELL CT, SAINT CHARLES, MO 63304-6927
Document Number	0000024954
Instrument Date	May 26, 2026
Instrument	202624954
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 NORWELL CT, SAINT CHARLES, MO 63304-6927

Mortgage

Document Number	0000024955,
Date	May 28, 2026
Instrument	202624955

Lender

Name	PNC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 19, 2025
Property Address	3 NORWELL CT, SAINT CHARLES, MO 63304-6927
Document Number	0000052269
Map Reference	MB 20 PG 47
Instrument Date	Nov 18, 2025
Instrument	2025R-052269
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE COMPANY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 VIVA BENE CIR APT 248, 248, SAINT PETERS, MO 63376-4068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 TURRET TRACE CT, O FALLON, MO 63366-5235

November 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Nov 19, 2025
Property Address	3 NORWELL CT, SAINT CHARLES, MO 63304-6927
Document Number	0000052268
Map Reference	MB 20 PG 47
Instrument Date	Oct 20, 2025
Instrument	2025R-052268
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 VIVA BENE CIR # 248, 248, SAINT PETERS, MO 63376-4068

December 2022: Foreclosure

Document Type	Foreclosure
Jurisdiction	ST CHARLES MO
Recording Date	Dec 15, 2022
Property Address	3 NORWELL CT, SAINT CHARLES, MO 63304-6927
Document Number	0000065938
Map Reference	MB 20 PG 47
Instrument Date	Dec 7, 2022
Instrument	2022R-065938
Transaction Type	Foreclosure
Record Updated	Dec 4, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 N 2ND ST, SAINT CHARLES, MO 63301-2869

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 N 2ND ST, SAINT CHARLES, MO 63301-2869
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3 Norwell Ct was $3,311, down 5.3% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$55,738 (-)	$293,360 (-) Land $50,000 Building $243,360
2025	$3,311.00 (-5.35%)	$55,738	$293,360 Land $50,000 Building $243,360
2024	$3,498.00
2023		$58,530
2022			$308,053 Building $308,053

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.

Flood

FEMA maps place 3 Norwell Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Aug 2020 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 5 claims

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

Wildfire risk around 3 Norwell Ct is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 283 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

Cell Coverage

5G (outdoors only) and 4G LTE

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