3205 Trail's End, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3205 Trail's End, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,898 sqft · built 1973
Lot Size	0.277 acres (12,045 sqft)
Owner	Individual Name on File
Tax Bill	$3,090 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jul 2017 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062285A020`

Property Details

APN / Parcel Number

Primary APN	`062285A020`
Alternative APN	`6-0005-5034-00-0421.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,898 sqft Living Area
Gross Area	3,006 sqft
1st Floor Area	1,698 sqft
Basement Area	804 sqft
Finished Basement	200 sqft
Unfinished Basement	604 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,045 sqft (0.277 acres)
Lot Dimensions	165 ft deep x 73 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	388 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	062285A020
Street Address	3205 TRAILS END
City	SAINT CHARLES
State	MO
Zip	63301-0446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HUNTMOOR EST #4 LOT 421
Legal Subdivision	HUNTMOOR EST #4
Legal Lot Number	421
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2003
Census Tract	310602

Owner

3205 Trail's End is owned and occupied by an individual who acquired it in August 2023.

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

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

Owner of Record	Individual Name on File
Mailing Address	3205 TRAILS END, SAINT CHARLES, MO 63301-0446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 27, 2017	Warranty Deed, Transfer · Stand-Alone Second Mortgage STELLAR TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2023
Deed Sale	Aug 10, 2023
Prior Sale	Jul 27, 2017 · Amount on File
Deed Document Number	202332188
Prior Transfer Date	Sep 30, 1999
Prior Transfer Doc	0000088374
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3205 TRAILS END, SAINT CHARLES, MO 63301-0446
Transaction Type	Mortgage
Record Updated	Nov 18, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 TRAILS END, SAINT CHARLES, MO 63301-0446

Mortgage

Document Number	0000060143
Date	Nov 4, 2022
Instrument	2022R-060143

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Jul 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 27, 2017
Property Address	3205 TRAILS END, SAINT CHARLES, MO 63301-0446
Document Number	0067811207
Book / Page	6781 / 1207
Map Reference	MB 18 PG 7
Instrument Date	Jul 25, 2017
Instrument	20170727000465350
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	STELLAR TITLE AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	309 UNIVERSAL DR, 309, SAINT PETERS, MO 63376-4425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 TRAILS END, SAINT CHARLES, MO 63301-0446

Mortgage

Document Number	, 20170727000465360
Date	Jul 27, 2017
Instrument	20170727000465360

Lender

Type	Funding / Finance Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3205 Trail's End was $3,090.

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	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$49,272 (-)	$259,325 (-) Land $60,000 Building $199,325
2025	$3,090.00	$49,272	$259,325 Land $60,000 Building $199,325
2023		$48,953
2022			$257,650 Land $60,000 Building $197,650

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 3205 Trail's End in Zone X, an area of minimal flood risk, though there have been 71 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	71 (1979–2022)
Claims Outside the SFHA	11 of 71
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 13 claims Flooding, Jun 2011 · 15 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 11 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 3205 Trail's End 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 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	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 256 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
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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