St. Charles County property record for 3103 Elm St, Saint Charles, MO 63301
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 3,397 sqft · built 1960 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Mar 2013) |
| Tax Bill | $2,960 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 078780A000 |
| Primary APN | 078780A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 3,397 sqft Living Area |
| Gross Area | 4,330 sqft |
| 1st Floor Area | 2,165 sqft |
| Basement Area | 2,165 sqft |
| Finished Basement | 1,232 sqft |
| Unfinished Basement | 933 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,731 sqft (0.43 acres) |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 70 sqft |
| Patio Area | 488 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 078780A000 |
|---|---|
| Street Address | 3103 ELM ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4651 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | AF0 |
| Legal Description | PRAIRIE HAUTE COMMON FIELDS PT SUR 179 |
| Legal Subdivision | US SURV 179 |
| Legal Lot Number | 17 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 310602 |
3103 Elm St, a duplex, is owned by two individuals who bought it in March 2013.
Source: St. Charles County records, as of August 13, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 529 LANKIN DR, SAINT CHARLES, MO 63304-2679 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2013 · Amount on File |
| Deed Sale | Mar 1, 2013 · Amount on File |
| Prior Sale | Jan 14, 2009 · Amount on File |
| Deed Document Number | 2013168850 |
| Deed Book / Page | 5968 / 322 |
| Prior Transfer Date | Jan 7, 2009 |
| Prior Transfer Doc | 0050950608 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3103 ELM ST, SAINT CHARLES, MO 63301-4651 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 529 LANKIN DR, SAINT CHARLES, MO 63304-2679 |
| Document Number | 2021R063812 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | 2021R-063812 |
| Name | FIRST STATE BANK OF ST CHARLES MO |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jul 28, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3103 Elm St was $2,960, up 7.3% from the year before.
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,960.00 (+7.32%) | $47,180 | $248,316 Land $72,000 Building $176,316 |
| 2024 | $2,758.00 | ||
| 2023 | $42,894 | ||
| 2022 | $225,756 Land $72,000 Building $153,756 |
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 3103 Elm St in Zone X, an area of minimal flood risk, though there have been 71 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 71 (1979–2022) |
| Claims Outside the SFHA | 11 of 71 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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 3103 Elm 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 515 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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: i3 Broadband.
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