3204 Pirogue St, Saint Charles, MO 63301 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,056 sqft · built 2024
Lot Size	0.097 acres (4,243 sqft)
Owner	Individual Name on File
Last Sale	$536,987 (Jun 2026)
Tax Bill	$5,357 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`T240500161`

Property Details

APN / Parcel Number

Primary APN	`T240500161`
Alternative APN	`5-116C-D434-00-9037.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,056 sqft Living Area
Gross Area	2,856 sqft
Basement Area	800 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	4,243 sqft (0.097 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T240500161
Street Address	3204 PIROGUE ST
City	SAINT CHARLES
State	MO
Zip	63301-8523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS 13 LOT 9037
Legal Subdivision	NEW TOWN AT ST CHAS 13
Legal Lot Number	9037
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1007
Census Tract	310201

Owner

3204 Pirogue St is owned and occupied by an individual who bought it in June 2026.

Source: St. Charles County records, as of September 14, 2026

Owner of Record	Individual Name on File
Mailing Address	3204 PIROGUE ST, SAINT CHARLES, MO 63301-8523
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2026 · Amount on File
Deed Sale	Jun 15, 2026 · Amount on File
Prior Sale	Aug 16, 2024 · Amount on File
Deed Document Number	202627874
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 15, 2026
Property Address	3204 PIROGUE ST, SAINT CHARLES, MO 63301-8523
Document Number	0000027874
Instrument Date	Jun 11, 2026
Instrument	202627874
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3204 PIROGUE ST, SAINT CHARLES, MO 63301-8523

Mortgage

Document Number	0000027875,
Date	Jun 15, 2026
Instrument	202627875

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3204 Pirogue St was $5,357, up 101.1% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$73,148 (-)	$384,985 (-) Land $66,666 Building $318,319
2025	$5,357.00 (+101.09%)	$73,148	$384,985 Land $66,666 Building $318,319
2024	$2,664.00

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 Pirogue St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 31 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	3 (2013–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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

Wildfire risk around 3204 Pirogue St 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 99.1% of the US · lower than 98.2% 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.

Drinking Water

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

Water System	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 631 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20