3100 Osterly Bend, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3100 Osterly Bend, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,912 sqft · built 2011
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Dec 2025)
Tax Bill	$4,023 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`T110500020`

Property Details

APN / Parcel Number

Primary APN	`T110500020`
Alternative APN	`5-116C-A737-00-018A.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,912 sqft Living Area
Gross Area	3,068 sqft
1st Floor Area	1,156 sqft
Basement Area	756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	150 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T110500020
Street Address	3100 OSTERLY BND
City	SAINT CHARLES
State	MO
Zip	63301-4883
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE #2 RE-AMENDED LOT 18A
Legal Subdivision	CHARLESTOWNE #2 RE-AMENDED
Legal Lot Number	18A
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2022
Census Tract	310201

Owner

Source: St. Charles County records, as of September 14, 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	3100 OSTERLY BND, SAINT CHARLES, MO 63301-4883
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 31, 2020	Deed of Trust, Mortgage · VA Mortgage FEDERAL SVGS BK
Jun 1, 2017	Warranty Deed, Transfer · VA Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2025 · Amount on Record
Deed Sale	Dec 3, 2025 · Amount on Record
Prior Sale	Jun 12, 2024 · Amount on Record
Deed Document Number	202554097
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 3, 2025
Property Address	3100 OSTERLY BND, SAINT CHARLES, MO 63301-4883
Document Number	0000054097
Map Reference	MB 46 PG 195
Instrument Date	Nov 25, 2025
Instrument	2025R-054097
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE COMPANY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1327 BAXTER ST # 102, 102, CHARLOTTE, NC 28204-3033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3100 OSTERLY BND, SAINT CHARLES, MO 63301-4883
Investor	Possibly a Property Investor

Mortgage

Document Number	0000054098
Date	Dec 3, 2025
Instrument	2025R-054098

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3100 OSTERLY BND, SAINT CHARLES, MO 63301-4883
Document Number	0000082445
Instrument Date	Aug 31, 2020
Transaction Type	Mortgage
Record Updated	Feb 15, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3100 OSTERLY BND ST CHARLES MO 633014883, ST CHARLES, MO 63301-4883

Mortgage

Document Number	0000082445
Date	Oct 28, 2020
Instrument	82445

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 1, 2017
Property Address	3100 OSTERLY BND, SAINT CHARLES, MO 63301-4883
Document Number	0067522178
Book / Page	6752 / 2178
Map Reference	MB 46 PG 195
Instrument Date	May 24, 2017
Instrument	20170601000336120
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4342 WINNERS CIR APT 2923, 4342, SARASOTA, FL 34238-5347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3100 OSTERLY BND, SAINT CHARLES, MO 63301-4883

Mortgage

Document Number	20170601000336140
Date	Jun 1, 2017
Instrument	20170601000336140

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$61,608 (-)	$324,250 (-) Land $55,500 Building $268,750
2025	$4,023.00	$61,608 (+6.14%)	$324,250 (+6.14%) Land $55,500 Building $268,750
2023		$58,042
2022			$305,485 Land $50,000 Building $255,485

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

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 81 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	81 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Sep 2021 · other causes

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

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 467 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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