St. Charles County property record for 3012 Lyme St, Saint Charles, MO 63301
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 1.5 ba · 1,778 sqft · built 1972 |
| Lot Size | 0.105 acres (4,574 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $225,200 (Oct 2023) |
| Tax Bill | $1,890 (2025) |
| Deeds & Mortgages | Oct 2023 Transfer Aug 2023 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T240700025 |
| Primary APN | T240700025 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,778 sqft Living Area |
| Gross Area | 2,408 sqft |
| 1st Floor Area | 1,680 sqft |
| Basement Area | 784 sqft |
| Finished Basement | 154 sqft |
| Unfinished Basement | 630 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,574 sqft (0.105 acres) |
| Lot Dimensions | 115 ft deep x 75 ft wide |
| Garage Type | Carport |
| Garage Area | 220 sqft |
| Carport | Carport |
| Carport Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | T240700025 |
|---|---|
| Street Address | 3012 LYME ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0332 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | AF2 |
| Legal Description | ST CHAS HILLS #6 SEC 2 RESUB LOT 1130 LOT 1130.B |
| Legal Subdivision | ST CHAS HILLS #6 SEC 2 RESUB LOT 1130 |
| Legal Lot Number | 1130 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 310802 |
3012 Lyme St, a duplex, is held in a trust since October 2023.
Source: St. Charles County records, as of September 11, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3 VICKSBURG STA, SAINT CHARLES, MO 63303-6143 |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 26, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Aug 25, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Aug 25, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| Sep 7, 2022 | Intrafamily Transfer, Transfer |
| Sep 7, 2022 | Warranty Deed, Transfer · Commercial Mortgage FARMERS AND MERCHANTS BANK OF ST CL |
| Sep 28, 2017 | Trustee's Deed, Construction Loan · Line of Credit BANK OF LA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 26, 2023 · Amount on File |
| Deed Sale | Oct 26, 2023 · Amount on File |
| Prior Sale | Oct 26, 2023 |
| Deed Document Number | 202344214 |
| Prior Transfer Date | Aug 22, 2023 |
| Prior Transfer Doc | 0000044213 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 26, 2023 |
| Property Address | 3012 LYME ST, SAINT CHARLES, MO 63301-0332 |
| Document Number | 0000044213 |
| Map Reference | DOC 2023R-028600 |
| Instrument Date | Aug 22, 2023 |
| Instrument | 2023R-044213 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 870 NARDIN DR, CHESTERFIELD, MO 63017-1704 |
| Name | Verified Name |
|---|---|
| Address | 3014 LYME ST, SAINT CHARLES, MO 63301-0332 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 25, 2023 |
| Property Address | 3012 LYME ST, SAINT CHARLES, MO 63301-0332 |
| Document Number | 0000034659 |
| Map Reference | DOC 2023R-028600 |
| Instrument Date | Aug 22, 2023 |
| Instrument | 2023R-034659 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 870 NARDIN DR, CHESTERFIELD, MO 63017-1704 |
| Name | Verified Name |
|---|---|
| Address | 3012 LYME ST, SAINT CHARLES, MO 63301-0332 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 25, 2023 |
| Property Address | 3012 LYME ST, SAINT CHARLES, MO 63301-0332 |
| Document Number | 0000034660 |
| Map Reference | DOC 2023R-028600 |
| Instrument Date | Jun 29, 2023 |
| Instrument | 2023R-034660 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 870 NARDIN DR, CHESTERFIELD, MO 63017-1704 |
| Name | Verified Name |
|---|---|
| Address | 334 LAUREN LNDG, BALLWIN, MO 63021-7347 |
| Document Number | 0000034661 |
|---|---|
| Date | Aug 25, 2023 |
| Instrument | 2023R-034661 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Number | 0000034662 |
|---|---|
| Date | Aug 25, 2023 |
| Instrument | 2023R-034662 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Sep 1, 2033 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 7, 2022 |
| Property Address | 3012 LYME ST, SAINT CHARLES, MO 63301-0332 |
| Document Number | 0000049456 |
| Map Reference | MB 14 PG 7 |
| Instrument Date | Aug 26, 2022 |
| Instrument | 2022R-049456 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 153 ROYALWOOD PLACE CT, LAKE SAINT LOUIS, MO 63367-2594 |
| Name | Verified Name |
|---|---|
| Address | 153 ROYALWOOD PLACE CT, LAKE SAINT LOUIS, MO 63367-2594 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 7, 2022 |
| Property Address | 3012 LYME ST, SAINT CHARLES, MO 63301-0332 |
| Document Number | 0000049457 |
| Map Reference | MB 14 PG 7 |
| Instrument Date | Aug 19, 2022 |
| Instrument | 2022R-049457 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31 COACH LINE DR, O FALLON, MO 63368-8103 |
| Name | Verified Name |
|---|---|
| Address | 116 GILCREFF PL, COLONIAL HEIGHTS, VA 23834-2245 |
| Investor | Possibly a Property Investor |
| Document Number | 0000049458 |
|---|---|
| Date | Sep 7, 2022 |
| Instrument | 2022R-049458 |
| Name | FARMERS AND MERCHANTS BANK OF ST CL |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Aug 26, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 28, 2017 |
| Property Address | 3012 LYME ST, SAINT CHARLES, MO 63301-0332 |
| Document Number | 0068150376 |
| Book / Page | 006815 / 000376 |
| Instrument Date | Aug 7, 2017 |
| Instrument | 611770 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 5, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 127 SUMMERSET DR ST CHARLES MO 633047687, ST CHARLES, MO 63304-7687 |
| Document Number | 68150376 |
|---|---|
| Date | Sep 28, 2017 |
| Book Page | 006815/000376 |
| Instrument | 611770 |
| Name | BANK OF LA |
|---|---|
| Type | Bank |
| Address | LOUISIANA, MO 63353 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Sep 27, 2018 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3012 Lyme St was $1,890, up 23% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $29,263 (-) | $154,017 (-) Land $27,000 Building $127,017 | |
| 2025 | $1,890.00 (+23.05%) | $29,263 | $154,017 Land $27,000 Building $127,017 |
| 2024 | $1,536.00 | ||
| 2023 | $46,422 | ||
| 2022 | $244,328 Land $54,000 Building $190,328 |
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.
FEMA maps place 3012 Lyme St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (1979–1995) |
| Most Recent Claim | May 1995 · Severe Storms, Tornadoes, Hail, Flooding |
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 risk around 3012 Lyme St 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.
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 272 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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