St. Charles County property record for 3053 Lyme St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,364 sqft · built 1970 |
| Lot Size | 0.174 acres (7,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $233,000 (Apr 2023) |
| Tax Bill | $2,193 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Mar 2022 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 144361A000 |
| Primary APN | 144361A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,364 sqft Living Area |
| Gross Area | 1,728 sqft |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 sqft |
| Finished Basement | 500 sqft |
| Unfinished Basement | 364 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,560 sqft (0.174 acres) |
| Lot Dimensions | 120 ft deep x 63 ft wide |
| Garage Type | Carport |
| Garage Area | 264 sqft |
| Carport | Carport |
| Carport Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Deck Area | Deck Area |
| Patio Area | 308 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 144361A000 |
|---|---|
| Street Address | 3053 LYME ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | ST CHAS HILLS #6 SEC 2 LOT 1011 |
| Legal Subdivision | ST CHAS HILLS #6 SEC 2 |
| Legal Lot Number | 1011 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 310802 |
3053 Lyme St is owned and occupied by an individual who bought it in April 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3053 LYME ST, SAINT CHARLES, MO 63301-0331 |
| 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.
| Date | Document |
|---|---|
| Apr 11, 2023 | Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO |
| Mar 21, 2022 | Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC |
| Mar 21, 2022 | Affidavit of Death of Joint Tenant, Transfer |
| Mar 21, 2022 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 11, 2023 · Amount on File |
| Deed Sale | Apr 11, 2023 · Amount on File |
| Prior Sale | Mar 21, 2022 · Amount on File |
| Deed Document Number | 202313515 |
| Prior Transfer Date | Mar 18, 2022 |
| Prior Transfer Doc | 0000016114 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 11, 2023 |
| Property Address | 3053 LYME ST, SAINT CHARLES, MO 63301-0331 |
| Document Number | 0000013515 |
| Map Reference | MB 14 PG 1 |
| Instrument Date | Apr 6, 2023 |
| Instrument | 2023R-013515 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3053 LYME ST, SAINT CHARLES, MO 63301-0331 |
| Document Number | 0000013516 |
|---|---|
| Date | Apr 11, 2023 |
| Instrument | 2023R-013516 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 21, 2022 |
| Property Address | 3053 LYME ST, SAINT CHARLES, MO 63301-0331 |
| Document Number | 0000016116 |
| Map Reference | MB 14 PG 1 |
| Instrument Date | Mar 16, 2022 |
| Instrument | 2022R-016116 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1806 AUTUMN HILL DR, O FALLON, MO 63366-3906 |
| Investor | Possibly a Property Investor |
| Document Number | 0000016117 |
|---|---|
| Date | Mar 21, 2022 |
| Instrument | 2022R-016117 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 21, 2022 |
| Property Address | 3053 LYME ST, SAINT CHARLES, MO 63301-0331 |
| Document Number | 0000016114 |
| Map Reference | MB 14 PG 1 |
| Instrument Date | Mar 16, 2022 |
| Instrument | 2022R-016114 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 21, 2022 |
| Property Address | 3053 LYME ST, SAINT CHARLES, MO 63301-0331 |
| Document Number | 0000016115 |
| Map Reference | MB 14 PG 1 |
| Instrument Date | Mar 15, 2022 |
| Instrument | 2022R-016115 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3053 LYME ST, SAINT CHARLES, MO 63301-0331 |
| Name | Verified Name |
|---|---|
| Address | 3053 LYME ST, SAINT CHARLES, MO 63301-0331 |
The 2025 property tax bill for 3053 Lyme St was $2,193.
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 | $33,964 (-) | $178,759 (-) Land $45,000 Building $133,759 | |
| 2025 | $2,193.00 | $33,964 | $178,759 Land $45,000 Building $133,759 |
| 2023 | $31,612 | ||
| 2022 | $166,380 Land $35,000 Building $131,380 |
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 3053 Lyme St in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| 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.
Wildfire risk around 3053 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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