3196 Moss Pointe Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 3196 Moss Pointe Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,834 sqft · built 1994
Lot Size	0.19 acres (8,276 sqft)
Owner	Company Name on File
Last Sale	$295,000 (Jun 2021)
Tax Bill	$4,194 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A953000404`

Property Details

APN / Parcel Number

Primary APN	`A953000404`
Alternative APN	`3-0015-7056-00-0097.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,834 sqft Living Area
Gross Area	3,462 sqft
1st Floor Area	1,026 sqft
Basement Area	1,008 sqft
Finished Basement	800 sqft
Unfinished Basement	208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	96 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A953000404
Street Address	3196 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 97
Legal Subdivision	COLLEGE STAT
Legal Lot Number	97
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311147

Owner

Source: St. Charles County records · APN A953000404

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	Company Name on File
Mailing Address	3196 MOSS POINTE DR, SAINT CHARLES, MO 63303-6506
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 25, 2021 · Amount on Record
Deed Sale	Jun 25, 2021 · Amount on Record
Prior Sale	Feb 05, 2013 · Amount on Record
Deed Document Number	202153834
Prior Transfer Date	Jan 28, 2013
Prior Transfer Doc	0059512060
Record Updated	Jun 08, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 25, 2021
Property Address	3196 MOSS POINTE DR, SAINT CHARLES, MO 63303-6506
Document Number	2021R053834
Map Reference	MB 31 PG 319-321
Instrument Date	Jun 23, 2021
Instrument	2021R-053834
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2207 SW RAMBLING VINE RD, 2207, LEES SUMMIT, MO 64082-4143

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3196 MOSS POINTE DR, SAINT CHARLES, MO 63303-6506

Mortgage

Document Number	2021R053835
Date	Jun 25, 2021
Instrument	2021R-053835

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

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	$4,194.00 (+4.67%)	$69,893 (+7.89%)	$367,858 (+7.89%) Land $70,000 Building $297,858
2024	$4,007.00
2023		$64,783
2022			$340,962 Land $50,000 Building $290,962

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, 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	2 (1982–1983)
Most Recent Claim	Apr 1983 · rainfall accumulation

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

Based on FCC filings for 443 locations within half a mile of this property.

Drinking Water

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

Violations Reported to EPA

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.