3205 Highgate Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3205 Highgate Ln, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,296 sqft · built 1968
Lot Size	0.238 acres (10,354 sqft)
Owner	Individual Name on Record
Last Sale	$123,000 (Mar 2017)
Tax Bill	$2,427 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`132930A000`

Property Details

APN / Parcel Number

Primary APN	`132930A000`
Alternative APN	`6-0005-4287-00-0612.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	1,992 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	432 sqft
Unfinished Basement	432 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,354 sqft (0.238 acres)
Lot Dimensions	167 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	28 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	132930A000
Street Address	3205 HIGHGATE LN
City	SAINT CHARLES
State	MO
Zip	63301-1099
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	ST CHAS HILLS #4 LOT 612
Legal Subdivision	ST CHAS HILLS #4
Legal Lot Number	612
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	1
Census Block	1006
Census Tract	310802

Owner

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	Individual Name on Record
Mailing Address	3205 HIGHGATE LN, SAINT CHARLES, MO 63301-1099
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE SOLUTIONS LLC
Mar 15, 2017	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2017 · Amount on Record
Deed Sale	Mar 15, 2017 · Amount on Record
Prior Sale	Mar 15, 2017 · Amount on Record
Deed Document Number	2017155240
Deed Book / Page	6712 / 276
Prior Transfer Date	Mar 2, 2017
Prior Transfer Doc	0067120276
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3205 HIGHGATE LN, SAINT CHARLES, MO 63301-1099
Transaction Type	Mortgage
Record Updated	May 24, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 HIGHGATE LN, SAINT CHARLES, MO 63301-1099

Mortgage

Document Number	2021R040659
Date	May 10, 2021
Instrument	2021R-040659

Lender

Name	MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	SAINT CHARLES, MO 63304

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 15, 2017
Property Address	3205 HIGHGATE LN, SAINT CHARLES, MO 63301-1099
Document Number	0067120254
Book / Page	6712 / 0254
Map Reference	BM 11 PG 41
Instrument Date	Mar 2, 2017
Instrument	20170315000155210
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 HIGHGATE LN, SAINT CHARLES, MO 63301-1099

Mortgage

Document Number	20170315000155230
Date	Mar 15, 2017
Instrument	20170315000155230

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$37,585 (-)	$197,814 (-) Land $45,000 Building $152,814
2025	$2,427.00 (+4.66%)	$37,585 (+7.3%)	$197,814 (+7.3%) Land $45,000 Building $152,814
2024	$2,319.00
2023		$35,028
2022			$184,360 Land $35,000 Building $149,360

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

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
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	5 (1981–1986)
Most Recent Claim	Oct 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

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.

Drinking Water

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

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, 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

Provider	Max 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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