St. Charles County property record for 3177 Moss Pointe Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,536 sqft · built 1995 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $254,000 (Jun 2018) |
| Tax Bill | $3,673 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A953000436 |
| Primary APN | A953000436 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,536 sqft Living Area |
| Gross Area | 3,349 sqft |
| 1st Floor Area | 1,486 sqft |
| Basement Area | 1,368 sqft |
| Finished Basement | 1,050 sqft |
| Unfinished Basement | 318 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 495 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953000436 |
|---|---|
| Street Address | 3177 MOSS POINTE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6551 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COLLEGE STAT LOT 129 |
| Legal Subdivision | COLLEGE STAT |
| Legal Lot Number | 129 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311147 |
3177 Moss Pointe Dr is owned and occupied by two individuals who bought it in June 2018.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3177 MOSS POINTE DR, SAINT CHARLES, MO 63303-6551 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Feb 8, 2021 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jun 1, 2018 | Warranty Deed, Transfer · FHA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2018 · Amount on File |
| Deed Sale | Jun 1, 2018 · Amount on File |
| Prior Sale | Jun 9, 2015 · Amount on File |
| Deed Document Number | 2018302450 |
| Deed Book / Page | 6927 / 580 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3177 MOSS POINTE DR, SAINT CHARLES, MO 63303-6551 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Title Company | FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR |
| Name | Verified Name |
|---|---|
| Address | 3177 MOSS POINTE DR, SAINT CHARLES, MO 63303-6551 |
| Document Number | 2021R011686 |
|---|---|
| Date | Feb 8, 2021 |
| Instrument | 2021R-011686 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 1, 2018 |
| Property Address | 3177 MOSS POINTE DR, SAINT CHARLES, MO 63303-6551 |
| Document Number | 0069270580 |
| Book / Page | 006927 / 000580 |
| Instrument Date | May 29, 2018 |
| Instrument | 302450 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2018 |
| Title Company | CHESTERFIELD TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3177 MOSS POINTE DR ST CHARLES MO 633036551, ST CHARLES, MO 63303-6551 |
| Document Number | 69270583 |
|---|---|
| Date | Jun 1, 2018 |
| Book Page | 006927/000583 |
| Instrument | 302460 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 31, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3177 Moss Pointe Dr was $3,673.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $61,139 (-) | $321,783 (-) Land $70,000 Building $251,783 | |
| 2025 | $3,673.00 | $61,139 | $321,783 Land $70,000 Building $251,783 |
| 2023 | $56,394 | ||
| 2022 | $296,810 Land $50,000 Building $246,810 |
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 3177 Moss Pointe Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.
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 | 2 (1982–1983) |
| Most Recent Claim | Apr 1983 · rainfall accumulation |
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 3177 Moss Pointe Dr is low, with less than 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 98% of the US · lower than 96% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 443 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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