3102 Pathfinder Trl, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3102 Pathfinder Trl, Saint Charles, MO 63301

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,352 sqft · built 2010
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Jun 2021)
Tax Bill	$2,888 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T070500004`

Property Details

APN / Parcel Number

Primary APN	`T070500004`
Alternative APN	`5-116C-A003-00-0004.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,352 sqft Living Area
Gross Area	2,172 sqft
1st Floor Area	772 sqft
Basement Area	580 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	1,742 sqft (0.04 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500004
Street Address	3102 PATHFINDER TRL
City	SAINT CHARLES
State	MO
Zip	63301-4787
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	CHARLESTOWNE #1 LOT 4
Legal Subdivision	CHARLESTOWNE #1
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2006
Census Tract	310201

Owner

3102 Pathfinder Trl, a condominium, is owned and occupied by an individual who bought it in June 2021.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	3102 PATHFINDER TRL, SAINT CHARLES, MO 63301-4787
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Jan 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage FAMILY FINANCE MORTGAGE LLC
Apr 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage GSF MORTGAGE CORP
Aug 10, 2020	Warranty Deed, Transfer · Conventional Mortgage ENDEAVOR CAPITAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2021 · Amount on File
Deed Sale	Jun 3, 2021 · Amount on File
Prior Sale	Aug 10, 2020 · Amount on File
Deed Document Number	202147649
Prior Transfer Date	Sep 17, 2015
Prior Transfer Doc	0000630550
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 3, 2021
Property Address	3102 PATHFINDER TRL, SAINT CHARLES, MO 63301-4787
Document Number	2021R047649
Map Reference	MB 43 PG 6
Instrument Date	May 28, 2021
Instrument	2021R-047649
Transaction Type	Transfer
Record Updated	Jun 17, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	528 SELENE ST, 528, SAINT PETERS, MO 63376-2412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3102 PATHFINDER TRL, SAINT CHARLES, MO 63301-4787

Mortgage

Document Number	2021R047650
Date	Jun 3, 2021
Instrument	2021R-047650

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3102 PATHFINDER TRL, SAINT CHARLES, MO 63301-4787
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONS TITLE AGENCY OF MISS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068691281
Date	Jan 22, 2018
Book Page	6869/1281
Instrument	20180122000038140

Lender

Name	FAMILY FINANCE MORTGAGE LLC
Type	Mortgage Company
Address	ARNOLD, MO 63010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3102 PATHFINDER TRL, SAINT CHARLES, MO 63301-4787
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072620434
Date	Apr 3, 2020
Book Page	7262/434
Instrument	20200403000205400

Lender

Name	GSF MORTGAGE CORP
Type	Mortgage Company
Address	BROOKFIELD, WI 53005

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2035

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 10, 2020
Property Address	3102 PATHFINDER TRL, SAINT CHARLES, MO 63301-4787
Document Number	0073672488
Book / Page	7367 / 2488
Map Reference	MB 43 PG 6
Instrument Date	Jul 7, 2020
Instrument	20200810000571320
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3240 RIVERCROSSING PL, 3240, SAINT CHARLES, MO 63301-4691

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3102 PATHFINDER TRL, SAINT CHARLES, MO 63301-4787

Mortgage

Document Number	20200810000571330
Date	Aug 10, 2020
Instrument	20200810000571330

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3102 Pathfinder Trl was $2,888.

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		$44,086 (-)	$232,031 (-) Building $232,031
2025	$2,888.00	$44,086	$232,031
2023		$38,672
2022			$203,534 Building $203,534

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

FEMA maps place 3102 Pathfinder Trl 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
Flood Insurance Cost	Premium on File 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

The area around 3102 Pathfinder Trl has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 475 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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