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3204 Highgate Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3204 Highgate Ln, Saint Charles, MO 63301

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,250 sqft · built 1968
Lot Size0.179 acres (7,821 sqft)
Owner2 Individual Names on File
Last Sale$134,900 (Jun 2018)
Tax Bill$3,054 (2025)
Deeds & MortgagesAug 2019 Mortgage
Jun 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN133140A000

Property Details

APN / Parcel Number

Primary APN133140A000
Alternative APN
  • 6-0005-4287-00-0619.0000000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,250 sqft Living Area
1st Floor Area1,250 sqft
Basement Area900 sqft
Finished Basement135 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1968
Architectural StyleRanch
Exterior MaterialBrick/Stone
Lot Area7,821 sqft
Lot Dimensions99 ft deep x 79 ft wide
Garage TypeAttached
Parking Spaces1 Parking Space
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
SewerConnected

Location & Zoning

Account Number133140A000
Old Parcel Number133140A000
Street Address3204 HIGHGATE LN
CitySAINT CHARLES
StateMO
Zip63301-1043
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAF0
Legal DescriptionST CHAS HILLS #4 LOT 619
Legal Range04E
Legal Township47N
Legal SubdivisionST CHAS HILLS #4
Legal Lot Number619
JurisdictionST CHARLES MO
Township / Civil DivisionLINDENWOOD
Census Block Group1
Census Block1002
Census Tract310802

Owner

3204 Highgate Ln is owned and occupied by two individuals who bought it in June 2018.

Source: St. Charles County records, as of March 16, 2026

Owner of Record2 Individual Names on File
Mailing Address3204 HIGHGATE LN, SAINT CHARLES, MO 63301-1043
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Aug 29, 2019Deed of Trust, Mortgage · Conventional Mortgage
GERSHMAN INVESTMENT CORP
Jun 14, 2018Warranty Deed, Transfer · Conventional Mortgage
GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 14, 2018 · Amount on File
Deed SaleJun 14, 2018 · Amount on File
Prior SaleOct 29, 2013 · Amount on File
Deed Document Number0069331710
Deed Book / Page6933 / 1710
Record UpdatedJun 8, 2026

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address3204 HIGHGATE LN, SAINT CHARLES, MO 63301-1043
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0071330049
DateAug 29, 2019
Book Page7133/0049
Instrument20190829000464120
Lender
NameGERSHMAN INVESTMENT CORP
TypeMortgage Company
AddressCHESTERFIELD, MO 63017
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2049

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateJun 14, 2018
Property Address3204 HIGHGATE LN, SAINT CHARLES, MO 63301-1043
Document Number0069331710
Book / Page6933 / 1710
Map ReferenceMB 11 PG 41
Instrument DateJun 11, 2018
Instrument20180614000331120
Transaction TypeTransfer
Record UpdatedAug 9, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount from Assessment
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4126 BRIDGEHAMPTON DR, 4126, SAINT CHARLES, MO 63304-7904

Transferred To (Grantee/Buyer)

NameVerified Name
Address3204 HIGHGATE LN, SAINT CHARLES, MO 63301-1043

Mortgage

Document Number20180614000331140
DateJun 14, 2018
Instrument20180614000331140
Lender
NameGERSHMAN INVESTMENT CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3204 Highgate Ln was $3,054.

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictSt. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,054.00$47,285$248,867 Land $45,000 Building $203,867
2023$41,809
2022$220,048 Land $35,000 Building $185,048

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.

Flood

FEMA maps place 3204 Highgate Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims5 (1981–1986)
Most Recent ClaimOct 1986 · Severe Storms & Flooding
Claims by Event
  • Severe Storms & Flooding, Oct 1986 · 2 claims

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

The area around 3204 Highgate Ln has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemMO AMERICAN ST LOUIS ST CHARLES COUNTIES
private · serves 1,111,000 people · EPA ID MO6010716
Water SourceSurface water
Last State InspectionFeb 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 550 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
i3 Broadband
Fiber		8,000 / 8,000
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

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