St. Charles County property record for 3011 Elm St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,923 sqft · built 1950 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $333,000 (Jun 2023) |
| Tax Bill | $3,691 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Feb 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 078820A000 |
| Primary APN | 078820A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,923 sqft Living Area |
| Gross Area | 3,079 sqft |
| 1st Floor Area | 1,717 sqft |
| Basement Area | 1,032 sqft |
| Finished Basement | 206 sqft |
| Unfinished Basement | 826 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,166 sqft (0.44 acres) |
| Garage Type | Attached |
| Garage Area | 330 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 282 sqft |
| Patio Area | 324 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 078820A000 |
|---|---|
| Street Address | 3011 ELM ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | PRAIRIE HAUTE COMMON FIELDS PT SUR 179 |
| Legal Subdivision | PRAIRIE HAUTE COMMON FIELD |
| Legal Lot Number | 22 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 310602 |
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 | 3011 ELM ST, SAINT CHARLES, MO 63301-4621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 6, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Feb 8, 2023 | Warranty Deed, Transfer INVESTORS TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2023 · Amount on Record |
| Deed Sale | Jun 6, 2023 · Amount on Record |
| Prior Sale | Feb 8, 2023 · Amount on Record |
| Deed Document Number | 202321589 |
| Prior Transfer Date | Feb 7, 2023 |
| Prior Transfer Doc | 0000004879 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 6, 2023 |
| Property Address | 3011 ELM ST, SAINT CHARLES, MO 63301-4621 |
| Document Number | 0000021589 |
| Map Reference | MB 561 PG 149 |
| Instrument Date | Jun 5, 2023 |
| Instrument | 2023R-021589 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31716 N STRINGTOWN RD, FORISTELL, MO 63348-3088 |
| Name | Verified Name |
|---|---|
| Address | 3011 ELM ST, SAINT CHARLES, MO 63301-4621 |
| Investor | Possibly a Property Investor |
| Document Number | 0000021590 |
|---|---|
| Date | Jun 6, 2023 |
| Instrument | 2023R-021590 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 8, 2023 |
| Property Address | 3011 ELM ST, SAINT CHARLES, MO 63301-4621 |
| Document Number | 0000004881 |
| Instrument Date | Feb 6, 2023 |
| Instrument | 2023R-004881 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2945 GREENLEAF DR, SAINT CHARLES, MO 63303-3142 |
| Name | Verified Name |
|---|---|
| Address | 31716 NSTRINGTOWN RD, FORISTELL, MO 63348 |
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 | $58,941 (-) | $310,215 (-) Land $60,000 Building $250,215 | |
| 2025 | $3,691.00 | $58,941 (+24.1%) | $310,215 (+24.1%) Land $60,000 Building $250,215 |
| 2023 | $47,494 | ||
| 2022 | $249,970 Land $60,000 Building $189,970 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 71 (1979–2022) |
| Claims Outside the SFHA | 11 of 71 |
| Most Recent Claim | Jul 2022 · Severe Storms 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 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.
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 515 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: i3 Broadband.
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