3103 Abbey St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3103 Abbey St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1969
Lot Size	0.166 acres (7,245 sqft)
Owner	2 Individual Names on Record
Last Sale	$137,000 (May 2017)
Tax Bill	$2,474 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`129900A000`

Property Details

APN / Parcel Number

Primary APN	`129900A000`
Alternative APN	`6-0005-4287-00-0511.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	1,992 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	192 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,245 sqft (0.166 acres)
Lot Dimensions	115 ft deep x 63 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	308 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	129900A000
Street Address	3103 ABBEY ST
City	SAINT CHARLES
State	MO
Zip	63301-1003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	ST CHAS HILLS #4 LOT 511
Legal Subdivision	ST CHAS HILLS #4
Legal Lot Number	511
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	1
Census Block	1013
Census Tract	310802

Owner

Source: St. Charles County records, as of August 7, 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	3103 ABBEY ST, SAINT CHARLES, MO 63301-1003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage HOMETAP EQUITY PARTNERS LLC
Dec 27, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 12, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 30, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 29, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
May 31, 2017	Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2017 · Amount on Record
Deed Sale	May 31, 2017 · Amount on Record
Prior Sale	Sep 14, 2011 · Amount on Record
Deed Document Number	2017332530
Deed Book / Page	6751 / 1955
Prior Transfer Date	Oct 29, 2008
Prior Transfer Doc	0050680133
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3103 ABBEY ST, SAINT CHARLES, MO 63301-1003
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 ABBEY ST, SAINT CHARLES, MO 63301-1003

Mortgage

Document Number	0000046656
Date	Oct 20, 2025
Instrument	2025R-046656

Lender

Name	HOMETAP EQUITY PARTNERS LLC
Type	Mortgage Company
Address	BOSTON, MA 02116

Agreement

Amount	Amount Recorded

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3103 ABBEY ST, SAINT CHARLES, MO 63301-1003
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 ABBEY ST, SAINT CHARLES, MO 63301-1003

Mortgage

Document Number	0000052201
Date	Dec 27, 2023
Instrument	2023R-052201

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Oct 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3103 ABBEY ST, SAINT CHARLES, MO 63301-1003
Transaction Type	Mortgage
Record Updated	Oct 25, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 ABBEY ST, SAINT CHARLES, MO 63301-1003

Mortgage

Document Number	2021R084575
Date	Oct 12, 2021
Instrument	2021R-084575

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3103 ABBEY ST, SAINT CHARLES, MO 63301-1003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072070956
Date	Dec 30, 2019
Book Page	7207/0956
Instrument	20191230000750090

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3103 ABBEY ST, SAINT CHARLES, MO 63301-1003
Document Number	0000075665
Instrument Date	Sep 29, 2020
Transaction Type	Mortgage
Record Updated	Dec 24, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3103 ABBEY ST ST CHARLES MO 633011003, ST CHARLES, MO 63301-1003

Mortgage

Document Number	0000075665
Date	Oct 7, 2020
Instrument	75665

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	ST LOUIS, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 31, 2017
Property Address	3103 ABBEY ST, SAINT CHARLES, MO 63301-1003
Document Number	0067511955
Book / Page	6751 / 1955
Map Reference	MB 11 PG 41
Instrument Date	May 25, 2017
Instrument	20170531000332530
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	14 SPENCERS XING, 14, SAINT PETERS, MO 63376-2624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 ABBEY ST, SAINT CHARLES, MO 63301-1003

Mortgage

Document Number	0067511957
Date	May 31, 2017
Book Page	6751/1957
Instrument	20170531000332540

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 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
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$38,310 (-)	$201,634 (-) Land $45,000 Building $156,634
2025	$2,474.00	$38,310 (+7.12%)	$201,634 (+7.12%) Land $45,000 Building $156,634
2023		$35,763
2022			$188,225 Land $35,000 Building $153,225

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 X minimal risk
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	5 (1981–1986)
Most Recent Claim	Oct 1986 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Oct 1986 · 2 claims

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	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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 550 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 · Fixed Wireless, 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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