St. Charles County property record for 3188 Moss Pointe Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,677 sqft · built 1994 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $232,300 (Sep 2026) |
| Tax Bill | $3,589 (2024) |
| Deeds & Mortgages | Sep 2026 Mortgage Aug 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | A953000408 |
| Primary APN | A953000408 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,677 sqft Living Area |
| Gross Area | 3,361 sqft |
| 1st Floor Area | 1,489 sqft |
| Basement Area | 1,473 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Masonry Veneer |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 72 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953000408 |
|---|---|
| Street Address | 3188 MOSS POINTE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COLLEGE STAT LOT 101 |
| Legal Subdivision | COLLEGE STAT |
| Legal Lot Number | 101 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311147 |
3188 Moss Pointe Dr is owned and occupied by an individual who bought it in September 2026.
Source: St. Charles County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3188 MOSS POINTE DR, SAINT CHARLES, MO 63303-6506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| Sep 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE |
| Aug 30, 2023 | Deed of Trust, Mortgage · Line of Credit CONNEXUS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2026 · Amount on File |
| Deed Sale | Sep 22, 2026 · Amount on File |
| Prior Sale | Apr 29, 2003 · Amount on File |
| Deed Document Number | 202645192 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 22, 2026 |
| Property Address | 3188 MOSS POINTE DR, SAINT CHARLES, MO 63303-6506 |
| Document Number | 0000045192 |
| Instrument Date | Sep 22, 2026 |
| Instrument | 202645192 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | INVESTORS LAND TITLE, INVESTORS TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3188 MOSS POINTE DR, SAINT CHARLES, MO 63303-6506 |
| Document Number | 0000045193, |
|---|---|
| Date | Sep 22, 2026 |
| Instrument | 202645193 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3188 MOSS POINTE DR, SAINT CHARLES, MO 63303-6506 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3188 MOSS POINTE DR, SAINT CHARLES, MO 63303-6506 |
| Document Number | 0000035204 |
|---|---|
| Date | Aug 30, 2023 |
| Instrument | 2023R-035204 |
| Name | CONNEXUS CU |
|---|---|
| Type | Credit Union |
| Address | WAUSAU, WI 54401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 29, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $62,818 (-) | $330,623 (-) Land $70,000 Building $260,623 | |
| 2025 | $62,818 | $330,623 Land $70,000 Building $260,623 | |
| 2024 | $3,589.00 | ||
| 2023 | $57,976 | ||
| 2022 | $305,138 Land $50,000 Building $255,138 |
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 3188 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 3188 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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