St. Charles County property record for 3013 Harpool St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,700 sqft · built 2018 |
| Lot Size | 0.125 acres (5,458 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $550,000 (Apr 2025) |
| Tax Bill | $7,437 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jun 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T180500125 |
| Primary APN | T180500125 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,700 sqft Living Area |
| Gross Area | 4,050 sqft |
| 1st Floor Area | 1,350 sqft |
| Basement Area | 1,350 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Lot Area | 5,458 sqft (0.125 acres) |
| Parking Spaces | 3 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T180500125 |
|---|---|
| Street Address | 3013 HARPOOL ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-7408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS PH 10B #1 LOT 8704 |
| Legal Subdivision | NEW TOWN AT ST CHAS PH 10B #1 |
| Legal Lot Number | 8704 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 310201 |
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 | 3013 HARPOOL ST, SAINT CHARLES, MO 63301-7408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Sep 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT BANK |
| Jun 3, 2021 | Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU |
| Aug 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT BANK |
| Mar 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT BANK |
| Dec 20, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PARAMOUNT BOND & MORTGAGE CO INC |
| Nov 13, 2018 | Deed of Trust, Mortgage · Line of Credit CENTRAL BK/ST LOUIS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2025 · Amount on Record |
| Deed Sale | Apr 23, 2025 · Amount on Record |
| Prior Sale | Dec 20, 2018 · Amount on Record |
| Deed Document Number | 202516398 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3013 HARPOOL ST, SAINT CHARLES, MO 63301-7408 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3013 HARPOOL ST, SAINT CHARLES, MO 63301-7408 |
| Document Number | 2021R075136 |
|---|---|
| Date | Sep 8, 2021 |
| Instrument | 2021R-075136 |
| Name | PARAMOUNT BANK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3013 HARPOOL ST, SAINT CHARLES, MO 63301-7408 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 2021R047512 |
|---|---|
| Date | Jun 3, 2021 |
| Instrument | 2021R-047512 |
| Name | WEST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | May 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3013 HARPOOL ST, SAINT CHARLES, MO 63301-7408 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0071210649 |
|---|---|
| Date | Aug 9, 2019 |
| Book Page | 7121/0649 |
| Instrument | 20190809000419240 |
| Name | PARAMOUNT BANK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3013 HARPOOL ST, SAINT CHARLES, MO 63301-7408 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072580821 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 7258/821 |
| Instrument | 20200330000193510 |
| Name | PARAMOUNT BANK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 20, 2018 |
| Property Address | 3013 HARPOOL ST, SAINT CHARLES, MO 63301-7408 |
| Document Number | 0070170770 |
| Book / Page | 7017 / 0770 |
| Map Reference | MB 49 PG 214 |
| Instrument Date | Dec 20, 2018 |
| Instrument | 20181220000710330 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CONTINENTAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3333 RUE ROYALE ST STE 4, 3333, SAINT CHARLES, MO 63301-8237 |
| Name | Verified Name |
|---|---|
| Address | 3013 HARPOOL ST, SAINT CHARLES, MO 63301-7408 |
| Document Number | 20181220000710340 |
|---|---|
| Date | Dec 20, 2018 |
| Instrument | 20181220000710340 |
| Name | PARAMOUNT BOND & MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3013 HARPOOL ST, SAINT CHARLES, MO 63301-7408 |
| Document Number | 0070040228 |
| Instrument Date | Nov 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3333 RUE ROYALE ST #4 ST CHARLES MO 633018237, 4, ST CHARLES, MO 63301-8237 |
| Document Number | 0070040228 |
|---|---|
| Date | Nov 19, 2018 |
| Book Page | 007004/000228 |
| Instrument | 650170 |
| Name | CENTRAL BK/ST LOUIS |
|---|---|
| Address | ST LOUIS, MO 63105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $96,675 (-) | $508,816 (-) Land $48,000 Building $460,816 | |
| 2025 | $7,437.00 | $96,675 (+11.89%) | $508,816 (+11.9%) Land $48,000 Building $460,816 |
| 2023 | $86,398 | ||
| 2022 | $454,726 Land $36,000 Building $418,726 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 31 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 3 (2013–2022) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2022 · Severe Storms And 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 657 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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 |
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