3 Providence Park Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 3 Providence Park Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,885 sqft · built 2001
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$184,100 (Aug 2016)
Tax Bill	$3,875 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T020800059`

Property Details

APN / Parcel Number

Primary APN	`T020800059`
Alternative APN	`3-0015-8715-00-0036.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,885 sqft Living Area
Gross Area	3,537 sqft
1st Floor Area	1,585 sqft
Basement Area	1,552 sqft
Finished Basement	1,300 sqft
Unfinished Basement	252 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	28 sqft
Deck Area	Deck Area
Patio Area	386 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T020800059
Street Address	3 PROVIDENCE PARK CT
City	SAINT CHARLES
State	MO
Zip	63303-1644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE PK LOT 36
Legal Subdivision	PROVIDENCE PK
Legal Lot Number	36
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	3
Census Block	3015
Census Tract	311147

Owner

3 Providence Park Ct is owned and occupied by two individuals who bought it in August 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 PROVIDENCE PARK CT, SAINT CHARLES, MO 63303-1644
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2016 · Amount on File
Deed Sale	Aug 4, 2016 · Amount on File
Prior Sale	Nov 17, 2004 · Amount on File
Deed Document Number	2016497540
Deed Book / Page	6586 / 2003
Prior Transfer Date	Jul 25, 2016
Prior Transfer Doc	0065862003
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3 PROVIDENCE PARK CT, SAINT CHARLES, MO 63303-1644
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071701008
Date	Oct 28, 2019
Book Page	7170/1008
Instrument	20191028000607010

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3 Providence Park Ct was $3,875, up 6.3% 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		$64,529 (-)	$339,625 (-) Land $70,000 Building $269,625
2025	$3,875.00 (+6.34%)	$64,529	$339,625 Land $70,000 Building $269,625
2024	$3,644.00
2023		$58,879
2022			$309,890 Land $55,000 Building $254,890

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 Providence Park Ct in Zone X, an area of minimal flood risk.

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 6 (20% premium discount)
Nearby Flood Policies	1 in force

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 Providence Park Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% 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.

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 526 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20