3112 Osterly Bend, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3112 Osterly Bend, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,680 sqft · built 2011
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (May 2024)
Tax Bill	$3,825 (2025)
Deeds & Mortgages	May 2024 Mortgage May 2020 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`T110500016`

Property Details

APN / Parcel Number

Primary APN	`T110500016`
Alternative APN	`5-116C-A737-00-014A.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,680 sqft Living Area
Gross Area	2,920 sqft
1st Floor Area	840 sqft
Basement Area	840 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	144 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T110500016
Street Address	3112 OSTERLY BND
City	SAINT CHARLES
State	MO
Zip	63301-4883
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE #2 RE-AMENDED LOT 14A
Legal Subdivision	CHARLESTOWNE #2 RE-AMENDED
Legal Lot Number	14A
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2022
Census Tract	310201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4417 LOUISIANA ST, SAN DIEGO, CA 92116-4102
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2024	Warranty Deed, Transfer · Conventional Mortgage OCMBC INC
May 6, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 27, 2017	Warranty Deed, Transfer · Conventional Mortgage CONTINENTAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2024 · Amount on Record
Deed Sale	May 2, 2024 · Amount on Record
Prior Sale	May 2, 2024 · Amount on Record
Deed Document Number	202416775
Prior Transfer Date	Feb 17, 2020
Prior Transfer Doc	0000289100
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 2, 2024
Property Address	3112 OSTERLY BND, SAINT CHARLES, MO 63301-4883
Document Number	0000016775
Map Reference	MB 46 PG 195
Instrument Date	Apr 22, 2024
Instrument	2024R-016775
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4117 LOUISIANA ST, SAN DIEGO, CA 92104-1693

Mortgage

Document Number	0000016776
Date	May 2, 2024
Instrument	2024R-016776

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 6, 2020
Property Address	3112 OSTERLY BND, SAINT CHARLES, MO 63301-4883
Document Number	0072880208
Book / Page	007288 / 000208
Instrument Date	Feb 17, 2020
Instrument	289090
Transaction Type	Transfer
Record Updated	Jul 15, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3112 OSTERLY BND ST CHARLES MO 633014883, ST CHARLES, MO 63301-4883

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 27, 2017
Property Address	3112 OSTERLY BND, SAINT CHARLES, MO 63301-4883
Document Number	0067812259
Book / Page	6781 / 2259
Map Reference	MB 46 PG 195
Instrument Date	Jul 26, 2017
Instrument	20170727000467270
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	826 BROOKWOOD BEND TRL, 826, SAINT PETERS, MO 63376-5916

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3112 OSTERLY BND, SAINT CHARLES, MO 63301-4883

Mortgage

Document Number	, 20170727000467280
Date	Jul 27, 2017
Instrument	20170727000467280

Lender

Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 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
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		$58,540 (-)	$308,103 (-) Land $55,500 Building $252,603
2025	$3,825.00 (+21.51%)	$58,540 (+5.04%)	$308,103 (+5.04%) Land $55,500 Building $252,603
2023		$55,731 (+23.54%)
2022	$3,148.00	$45,112	$293,324 (+23.54%) Land $50,000 Building $243,324
2021			$237,434 Land $45,000 Building $192,434

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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	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.

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 467 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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