St. Charles County property record for 3129 Droste Rd, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,550 sqft · built 1970 |
| Lot Size | 0.238 acres (10,384 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $132,000 (Sep 2012) |
| Tax Bill | $3,072 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 100220A000 |
| Primary APN | 100220A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,550 sqft Living Area |
| Gross Area | 3,580 sqft |
| 1st Floor Area | 1,550 sqft |
| Basement Area | 1,550 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,384 sqft (0.238 acres) |
| Lot Dimensions | 118 ft deep x 88 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 384 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 100220A000 |
|---|---|
| Street Address | 3129 DROSTE RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1146 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | WILLOW BROOK #2 LOT 204 |
| Legal Subdivision | WILLOW BROOK #2 |
| Legal Lot Number | 204 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 310700 |
Source: St. Charles County records, as of July 13, 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 | 3129 DROSTE RD, SAINT CHARLES, MO 63301-1146 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 17, 2023 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| May 4, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Apr 19, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2012 · Amount on Record |
| Deed Sale | Sep 12, 2012 · Amount on Record |
| Prior Sale | Nov 14, 2011 · Amount on Record |
| Deed Document Number | 2012692350 |
| Deed Book / Page | 5853 / 2055 |
| Last Transfer Date | Oct 4, 2016 |
| Transfer Doc | 0067300195 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3129 DROSTE RD, SAINT CHARLES, MO 63301-1146 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3129 DROSTE RD, SAINT CHARLES, MO 63301-1146 |
| Document Number | 0000042732 |
|---|---|
| Date | Oct 17, 2023 |
| Instrument | 2023R-042732 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3129 DROSTE RD, SAINT CHARLES, MO 63301-1146 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3129 DROSTE RD, SAINT CHARLES, MO 63301-1146 |
| Document Number | 2021R039147 |
|---|---|
| Date | May 4, 2021 |
| Instrument | 2021R-039147 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 19, 2017 |
| Property Address | 3129 DROSTE RD, SAINT CHARLES, MO 63301-1146 |
| Document Number | 0067300195 |
| Book / Page | 006730 / 000195 |
| Instrument Date | Oct 4, 2016 |
| Instrument | 235330 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3129 DROSTE RD ST CHARLES MO 633011146, ST CHARLES, MO 63301-1146 |
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 | $3,072.00 (-4.45%) | $48,972 (-2.21%) | $257,745 (-2.21%) Land $40,000 Building $217,745 |
| 2024 | $3,215.00 | ||
| 2023 | $50,081 | ||
| 2022 | $263,583 Land $40,000 Building $223,583 |
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.
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 |
| Nearby Flood Claims | 16 (1978–2015) |
| Claims Outside the SFHA | 4 of 16 |
| 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.
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.
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 341 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 · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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