3101 Osterly Bend, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3101 Osterly Bend, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,912 sqft · built 2011
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Apr 2018)
Tax Bill	$3,979 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`T110500024`

Property Details

APN / Parcel Number

Primary APN	`T110500024`
Alternative APN	`5-116C-A737-00-025A.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,912 sqft Living Area
Basement Area	756 sqft

Exterior

Year Built	Built 2011
Architectural Style	Townhouse
Exterior Material	Composition/Composite
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	68 sqft

Location & Zoning

Account Number	T110500024
Old Parcel Number	T110500024
Street Address	3101 OSTERLY BND
City	SAINT CHARLES
State	MO
Zip	63301-4884
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE #2 RE-AMENDED LOT 25A
Legal Range	05E
Legal Township	47N
Legal Subdivision	CHARLESTOWNE #2 RE-AMENDED
Legal Lot Number	25A
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2027
Census Tract	310201

Owner

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3101 OSTERLY BND, SAINT CHARLES, MO 63301-4884
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 11, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Apr 12, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2018 · Amount on Record
Deed Sale	Apr 12, 2018 · Amount on Record
Prior Sale	May 24, 2011 · Amount on Record
Deed Document Number	0069041257
Deed Book / Page	6904 / 1257
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3101 OSTERLY BND, SAINT CHARLES, MO 63301-4884
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3101 OSTERLY BND, SAINT CHARLES, MO 63301-4884

Mortgage

Document Number	2021R018398
Date	Mar 2, 2021
Instrument	2021R-018398

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3101 OSTERLY BND, SAINT CHARLES, MO 63301-4884
Document Number	0071650731
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3101 OSTERLY BND ST CHARLES MO 633014884, ST CHARLES, MO 63301-4884

Mortgage

Document Number	0071650731
Date	Oct 18, 2019
Book Page	007165/000731
Instrument	588090

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 12, 2018
Property Address	3101 OSTERLY BND, SAINT CHARLES, MO 63301-4884
Document Number	0069041257
Book / Page	006904 / 001257
Instrument Date	Apr 11, 2018
Instrument	199020
Transaction Type	Transfer
Record Updated	May 2, 2018
Title Company	CHESTERFIELD TITLE AGENCY LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3101 OSTERLY BND ST CHARLES MO 633014884, ST CHARLES, MO 63301-4884

Mortgage

Document Number	69041260
Date	Apr 12, 2018
Book Page	006904/001260
Instrument	199030

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2048

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$3,979.00	$60,929 (+6.16%)	$320,677 (+6.16%) Land $55,500 Building $265,177
2023		$57,394
2022			$302,075 Land $50,000 Building $252,075

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 97% of the US · lower than 95% 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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