St. Charles County property record for 3204 S Mester St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,360 sqft · built 2004 |
| Lot Size | 0.089 acres (3,920 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $219,900 (Oct 2018) |
| Tax Bill | $3,696 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Oct 2018 Sale + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T060500173 |
| Primary APN | T060500173 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,360 sqft Living Area |
| 1st Floor Area | 680 sqft |
| Basement Area | 680 sqft |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Siding |
| Lot Area | 3,920 sqft (0.089 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Sewer | Connected |
|---|
| Account Number | T060500173 |
|---|---|
| Old Parcel Number | T060500173 |
| Street Address | 3204 S MESTER ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8088 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS #1 LOT 636 |
| Legal Range | 05E |
| Legal Township | 47N |
| Legal Subdivision | NEW TOWN AT ST CHAS #1 |
| Legal Lot Number | 636 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 310201 |
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3204 S MESTER ST, SAINT CHARLES, MO 63301-8088 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage GERSHMAN INVESTMENT CORP |
| Oct 18, 2018 | Warranty Deed, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Mar 8, 2017 | Warranty Deed, Transfer · FHA Mortgage PARAMOUNT BOND & MORTGAGE CO INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2018 · Amount on Record |
| Deed Sale | Oct 18, 2018 · Amount on Record |
| Prior Sale | Mar 8, 2017 |
| Deed Document Number | 0006992558 |
| Deed Book / Page | 6992 / 558 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3204 S MESTER ST, SAINT CHARLES, MO 63301-8088 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3204 SMESTER ST, SAINT CHARLES, MO 63301 |
| Document Number | 2021R041309 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 2021R-041309 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 18, 2018 |
| Property Address | 3204 S MESTER ST, SAINT CHARLES, MO 63301-8088 |
| Document Number | 0069920558 |
| Book / Page | 006992 / 000558 |
| Instrument Date | Oct 12, 2018 |
| Instrument | 596800 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2018 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3204 S MESTER ST ST CHARLES MO 633018088, ST CHARLES, MO 63301-8088 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 8, 2017 |
| Property Address | 3204 S MESTER ST, SAINT CHARLES, MO 63301-8088 |
| Document Number | 0067091096 |
| Book / Page | 6709 / 1096 |
| Map Reference | MB 42 PG 14 |
| Instrument Date | Mar 7, 2017 |
| Instrument | 20170308000142560 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 620 S MAIN ST, 620, SAINT CHARLES, MO 63301-3441 |
| Name | Verified Name |
|---|---|
| Address | 3204 S MESIER ST, SAINT CHARLES, MO 63301-8097 |
| Document Number | 20170308000142570 |
|---|---|
| Date | Mar 8, 2017 |
| Instrument | 20170308000142570 |
| Name | PARAMOUNT BOND & MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,696.00 | $56,561 (+10.71%) | $297,690 (+10.71%) Land $73,336 Building $224,354 |
| 2023 | $51,091 | ||
| 2022 | $268,898 Land $55,002 Building $213,896 |
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.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 |
| 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.
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 |
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