3208 Persimmon Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3208 Persimmon Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,544 sqft · built 1981
Lot Size	0.206 acres (8,960 sqft)
Owner	2 Individual Names on Record
Last Sale	$318,000 (Dec 2021)
Tax Bill	$3,911 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`806452A000`

Property Details

APN / Parcel Number

Primary APN	`806452A000`
Alternative APN	`5-0080-4546-00-0197.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,316 sqft Living Area
Gross Area	3,613 sqft
1st Floor Area	1,544 sqft
Basement Area	1,544 sqft
Finished Basement	772 sqft
Unfinished Basement	772 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,960 sqft (0.206 acres)
Lot Dimensions	112 ft deep x 80 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	120 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	806452A000
Street Address	3208 PERSIMMON DR
City	SAINT CHARLES
State	MO
Zip	63301-0166
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	MAMELLE HILLS #6 LOT 197
Legal Subdivision	MAMELLES HILLS #6
Legal Lot Number	197
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1023
Census Tract	310202

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	2 Individual Names on Record
Mailing Address	3208 PERSIMMON DR, SAINT CHARLES, MO 63301-0166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Oct 24, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2021 · Amount on Record
Deed Sale	Dec 29, 2021 · Amount on Record
Prior Sale	Oct 24, 2018 · Amount on Record
Deed Document Number	2021104218
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 29, 2021
Property Address	3208 PERSIMMON DR, SAINT CHARLES, MO 63301-0166
Document Number	0000104218
Map Reference	MB 13 PG 41&42
Instrument Date	Dec 20, 2021
Instrument	2021R-104218
Transaction Type	Transfer
Record Updated	Jan 12, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 RED BUD CT, 4, SAINT CHARLES, MO 63301-1341

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 PERSIMMON DR, SAINT CHARLES, MO 63301-0166

Mortgage

Document Number	0000104219
Date	Dec 29, 2021
Instrument	2021R-104219

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 24, 2018
Property Address	3208 PERSIMMON DR, SAINT CHARLES, MO 63301-0166
Document Number	0069941853
Book / Page	6994 / 1853
Map Reference	MB 12 PG 26
Instrument Date	Oct 19, 2018
Instrument	20181024000608830
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE CORPORATION AND OR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3208 PERSIMMON DR, 3208, SAINT CHARLES, MO 63301-0166

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3208 PERSIMMON DR, SAINT CHARLES, MO 63301-0166

Mortgage

Document Number	20181024000608840
Date	Oct 24, 2018
Instrument	20181024000608840

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2033

Tax Assessment & Valuation

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		$59,875 (-)	$315,133 (-) Land $60,000 Building $255,133
2025	$3,911.00	$59,875 (+9.47%)	$315,133 (+9.47%) Land $60,000 Building $255,133
2023		$54,697
2022			$287,880 Land $40,000 Building $247,880

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
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	37 (1979–2022)
Claims Outside the SFHA	2 of 37
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 2 claims Severe Storms & Flooding, Aug 1993 · 26 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	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 475 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · 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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