3 Union Way, Saint Charles, MO 63303 Property Records

St. Charles County property record for 3 Union Way, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,877 sqft · built 1977
Lot Size	0.143 acres (6,240 sqft)
Owner	Individual Name on File
Last Sale	$151,500 (Oct 2011)
Tax Bill	$3,969 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`428211A023`

Property Details

APN / Parcel Number

Primary APN	`428211A023`
Alternative APN	`3-0118-5133-00-0111.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,877 sqft Living Area
Gross Area	3,205 sqft
1st Floor Area	1,877 sqft
Basement Area	848 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	6,240 sqft (0.143 acres)
Lot Dimensions	120 ft deep x 52 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	428211A023
Street Address	3 UNION WAY
City	SAINT CHARLES
State	MO
Zip	63303-6142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HERITAGE #3 LOT 111
Legal Subdivision	HERITAGE #3
Legal Lot Number	111
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	2
Census Block	2021
Census Tract	311146

Owner

3 Union Way is owned and occupied by an individual who bought it in October 2011.

Source: St. Charles County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	3 UNION WAY, SAINT CHARLES, MO 63303-6142
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	Name on Deed
Last Sale	Oct 20, 2011 · Amount on File
Deed Sale	Oct 20, 2011 · Amount on File
Prior Sale	Oct 20, 2011 · Amount on File
Deed Document Number	2011637900
Deed Book / Page	5659 / 846
Prior Transfer Date	Sep 27, 2011
Prior Transfer Doc	0056590843
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Aug 12, 2026
Property Address	3 UNION WAY, SAINT CHARLES, MO 63303-6142
Document Number	0000038323
Instrument Date	Aug 1, 2026
Instrument	202638323
Transaction Type	Mortgage
Record Updated	Aug 24, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 UNION WAY, SAINT CHARLES, MO 63303-6142

Mortgage

Document Number	0000038323,
Date	Aug 12, 2026
Instrument	202638323

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 27, 2046

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3 Union Way was $3,969.

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		$66,114 (-)	$347,969 (-) Land $80,000 Building $267,969
2025	$3,969.00	$66,114	$347,969 Land $80,000 Building $267,969
2023		$59,398
2022			$312,622 Land $70,000 Building $242,622

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 Union Way in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1979.

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
Nearby Flood Claims	19 (1979–2013)
Most Recent Claim	Apr 2013 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 2 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 Union Way 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 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.

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 348 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 in parts of the area	100 / 20

May also be available: Wisper ISP.

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