St. Charles County property record for 3122 Upper Bottom Rd, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,784 sqft · built 1973 |
| Lot Size | 0.244 acres (10,625 sqft) |
| Owner | Individual Name on File |
| Last Sale | $139,000 (May 2017) |
| Tax Bill | $2,679 (2024) |
| Deeds & Mortgages | Jan 2021 Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 472902A000 |
| Primary APN | 472902A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,784 sqft Living Area |
| Gross Area | 2,796 sqft |
| 1st Floor Area | 1,189 sqft |
| Basement Area | 1,189 sqft |
| Finished Basement | 595 sqft |
| Unfinished Basement | 594 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,625 sqft (0.244 acres) |
| Lot Dimensions | 125 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 76 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 472902A000 |
|---|---|
| Street Address | 3122 UPPER BOTTOM RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | WOODCLIFF MANOR RESUB LOT 4 |
| Legal Subdivision | WOODCLIFF MANOR |
| Legal Lot Number | 4 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 311145 |
Source: St. Charles County records · APN 472902A000
Assessment roll updated August 13, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 3122 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6227 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 11, 2021 | Deed of Trust, Mortgage JP MORGAN CHASE BK |
| May 09, 2017 | Warranty Deed, Transfer · ARM CORNERSTONE MORTGAGE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 09, 2017 · Amount on Record |
| Deed Sale | May 09, 2017 · Amount on Record |
| Prior Sale | Apr 27, 2010 · Amount on Record |
| Deed Document Number | 2017280900 |
| Deed Book / Page | 6740 / 1465 |
| Prior Transfer Date | Apr 09, 2010 |
| Prior Transfer Doc | 0053741635 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3122 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6227 |
| Document Number | 0000004768 |
| Instrument Date | Jan 11, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3122 UPPER BOTTOM RD ST CHARLES MO 633036227, ST CHARLES, MO 63303-6227 |
| Document Number | 0000004768 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | 4768 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 14, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 09, 2017 |
| Property Address | 3122 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6227 |
| Document Number | 0067401465 |
| Book / Page | 6740 / 1465 |
| Map Reference | MB 17 PG 15&16 |
| Instrument Date | May 03, 2017 |
| Instrument | 20170509000280900 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | SELECT TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3122 UPPER BOTTOM RD, 3122, SAINT CHARLES, MO 63303-6227 |
| Name | Verified Name |
|---|---|
| Address | 3122 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6227 |
| Document Number | 20170509000280910 |
|---|---|
| Date | May 09, 2017 |
| Instrument | 20170509000280910 |
| Name | CORNERSTONE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Jun 01, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $47,123 (+9.18%) | $248,015 (+9.18%) Land $49,500 Building $198,515 | |
| 2024 | $2,679.00 | ||
| 2023 | $43,159 | ||
| 2022 | $227,152 Land $49,500 Building $177,652 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111453, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 | 46 (1978–2024) |
| Claims Outside the SFHA | 28 of 46 |
| Most Recent Claim | Jul 2024 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 391 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MO6010716, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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