3105 Abbey St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3105 Abbey St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,700 sqft · built 1967
Lot Size	0.158 acres (6,900 sqft)
Owner	Individual Name on Record
Last Sale	$153,900 (May 2017)
Tax Bill	$2,595 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`129930A000`

Property Details

APN / Parcel Number

Primary APN	`129930A000`
Alternative APN	`6-0005-4287-00-0512.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,700 sqft Living Area
Gross Area	2,080 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	836 sqft
Unfinished Basement	28 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,900 sqft (0.158 acres)
Lot Dimensions	115 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	108 sqft
Deck Area	Deck Area
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	129930A000
Street Address	3105 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 512
Legal Subdivision	ST CHAS HILLS #4
Legal Lot Number	512
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 371, SAINT CHARLES, MO 63302-0371
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 12, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 8, 2017	Warranty Deed, Transfer · FHA Mortgage PACIFIC UNION FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2017 · Amount on Record
Deed Sale	May 8, 2017 · Amount on Record
Prior Sale	Dec 8, 2011 · Amount on Record
Deed Document Number	2017278100
Deed Book / Page	6740 / 307
Prior Transfer Date	Jan 22, 2010
Prior Transfer Doc	0054790457
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3105 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	0072751207
Date	Apr 22, 2020
Book Page	7275/1207
Instrument	20200422000249620

Lender

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

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3105 ABBEY ST, SAINT CHARLES, MO 63301-1003
Document Number	0000002196
Instrument Date	Dec 12, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3105 ABBEY ST ST CHARLES MO 633011003, ST CHARLES, MO 63301-1003

Mortgage

Document Number	0000002196
Date	Jan 8, 2021
Instrument	2196

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2051

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 8, 2017
Property Address	3105 ABBEY ST, SAINT CHARLES, MO 63301-1003
Document Number	0067400307
Book / Page	6740 / 0307
Map Reference	MB 11 PG 41
Instrument Date	Apr 28, 2017
Instrument	20170508000278100
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 Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 RAYMOND DR, 208, O FALLON, MO 63366-1349

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3105 ABBEY ST, SAINT CHARLES, MO 63301-1003

Mortgage

Document Number	20170508000278110
Date	May 8, 2017
Instrument	20170508000278110

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 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		$40,186 (-)	$211,506 (-) Land $45,000 Building $166,506
2025	$2,595.00	$40,186 (+6.66%)	$211,506 (+6.67%) Land $45,000 Building $166,506
2023		$37,675
2022			$198,287 Land $35,000 Building $163,287

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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