St. Charles County property record for 3195 Upper Bottom Rd, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4.5 ba · 6,165 sqft · built 2018 |
| Lot Size | 0.687 acres (29,926 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $8,940 (2025) |
| Deeds & Mortgages | Sep 2025 Transfer Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T180800009 |
| Primary APN | T180800009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 6,165 sqft Living Area |
| 1st Floor Area | 3,574 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Bi-Level |
| Exterior Material | Stucco |
| Lot Area | 29,926 sqft (0.687 acres) |
| Parking Spaces | 3 Parking Spaces |
| Account Number | T180800009 |
|---|---|
| Street Address | 3195 UPPER BOTTOM RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SUR 308 |
| Legal Lot Number | 6 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 311145 |
Source: St. Charles County records · APN T180800009
Assessment roll updated August 13, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3195 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6226 |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
| Date | Document |
|---|---|
| Sep 18, 2025 | Intrafamily Transfer, Transfer |
| Nov 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Aug 21, 2025 |
| Transfer Doc | 0000041188 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 18, 2025 |
| Property Address | 3195 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6226 |
| Document Number | 0000041188 |
| Instrument Date | Aug 21, 2025 |
| Instrument | 2025R-041188 |
| Transaction Type | Transfer |
| Record Updated | Oct 07, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 3195 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6226 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3195 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6226 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021R091403 |
|---|---|
| Date | Nov 04, 2021 |
| Instrument | 2021R-091403 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified July 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,940.00 (+3%) | $149,498 (+6.12%) | $786,837 (+6.13%) Land $52,000 Building $734,837 |
| 2024 | $8,680.00 | ||
| 2023 | $140,870 | ||
| 2022 | $741,417 Land $48,000 Building $693,417 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 98% of the US · lower than 96% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 294 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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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