St. Charles County property record for 3198 Moss Pointe Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,446 sqft · built 1995 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,298 (2024) |
| Deeds & Mortgages | Jul 2026 Transfer Jul 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A953000403 |
| Primary APN | A953000403 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,446 sqft Living Area |
| Gross Area | 3,237 sqft |
| 1st Floor Area | 1,446 sqft |
| Basement Area | 1,384 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 | 8,712 sqft (0.2 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 407 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 308 sqft |
| Patio Area | 196 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953000403 |
|---|---|
| Street Address | 3198 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 96 |
| Legal Subdivision | COLLEGE STAT |
| Legal Lot Number | 96 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311147 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9529 CLOVERHURST DR, SAINT LOUIS, MO 63123-5410 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 2, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 2, 2026 | Affidavit, Transfer |
| Oct 27, 2017 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 1, 2026 |
| Transfer Doc | 0000031142 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 2, 2026 |
| Property Address | 3198 MOSS POINTE DR, SAINT CHARLES, MO 63303-6506 |
| Document Number | 0000031143 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 202631143 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9529 CLOVERHURST DR, SAINT LOUIS, MO 63123-5410 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 2, 2026 |
| Property Address | 3198 MOSS POINTE DR, SAINT CHARLES, MO 63303-6506 |
| Document Number | 0000031142 |
| Instrument Date | Jul 1, 2026 |
| Instrument | 202631142 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3198 MOSS POINTE DR, SAINT CHARLES, MO 63303-6506 |
| Document Number | 0068401361 |
| Book / Page | 006840 / 001361 |
| Instrument Date | Oct 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3198 MOSS POINTE DR ST CHARLES MO 633036506, ST CHARLES, MO 63303-6506 |
| Document Number | 0068401361 |
|---|---|
| Date | Nov 17, 2017 |
| Book Page | 006840/001361 |
| Instrument | 718850 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 16, 2032 |
| Rate Type | Adjustable Rate |
|---|
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 | $57,850 (-) | $304,471 (-) Land $70,000 Building $234,471 | |
| 2025 | $57,850 (+8.66%) | $304,471 (+8.66%) Land $70,000 Building $234,471 | |
| 2024 | $3,298.00 | ||
| 2023 | $53,241 | ||
| 2022 | $280,215 Land $50,000 Building $230,215 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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 |
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 | 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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