St. Charles County property record for 3110 Elm St, Saint Charles, MO 63301
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 2 ba · 1,440 sqft · built 1960 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $86,900 (Dec 1997) |
| Tax Bill | $2,048 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 084200A000 |
| Primary APN | 084200A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| Gross Area | 2,880 sqft |
| 1st Floor Area | 1,440 sqft |
| Basement Area | 1,440 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 | 23,087 sqft (0.53 acres) |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 084200A000 |
|---|---|
| Street Address | 3110 ELM ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4652 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | AF0 |
| Legal Description | ST CHAS COMMON BLK 6 PT SUR 3280 PT LOT 28 |
| Legal Subdivision | STEEN & CUNNINGHAMS |
| Legal Block | 6 |
| Legal Lot Number | 28 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 310301 |
3110 Elm St, a duplex, is owned by two individuals who bought it in December 1997.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 532 LEXINGTON LANDING DR, SAINT CHARLES, MO 63303-1748 |
| 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 | Dec 8, 1997 · Amount on File |
| Deed Sale | Dec 8, 1997 · Amount on File |
| Deed Document Number | 199769971 |
| Deed Book / Page | 2006 / 1845 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 3110 Elm St was $2,048.
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $32,485 (-) | $170,975 (-) Land $45,000 Building $125,975 | |
| 2025 | $2,048.00 | $32,485 | $170,975 Land $45,000 Building $125,975 |
| 2023 | $28,963 | ||
| 2022 | $152,439 Land $45,000 Building $107,439 |
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 3110 Elm St in Zone X, an area of minimal flood risk, though there have been 75 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 75 (1979–2015) |
| Claims Outside the SFHA | 1 of 75 |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, 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 3110 Elm St is low, with 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 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 430 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures