3221 S Mester St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3221 S Mester St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,024 sqft · built 2004
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$281,295 (Dec 2024)
Tax Bill	$2,670 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T060500150`

Property Details

APN / Parcel Number

Primary APN	`T060500150`
Alternative APN	`5-116B-9772-00-0543.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,024 sqft Living Area
1st Floor Area	512 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Detached
Garage Area	400 sqft
Porch	Open Porch
Porch Area	112 sqft
Patio Area	105 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T060500150
Street Address	3221 S MESTER ST
City	SAINT CHARLES
State	MO
Zip	63301-8087
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS #1 LOT 543 & LOT 543 GARAGE
Legal Subdivision	NEW TOWN AT ST CHAS #1
Legal Lot Number	543
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1049
Census Tract	310201

Owner

Source: St. Charles County records, as of August 13, 2025

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	1032 DYESS WAY, SAINT CHARLES, MO 63301-8468
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2024 · Amount on Record
Deed Sale	Dec 31, 2024 · Amount on Record
Prior Sale	Oct 30, 2018 · Amount on Record
Deed Document Number	202454506
Prior Transfer Date	Jul 29, 2005
Prior Transfer Doc	0042621048
Record Updated	Jun 8, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 30, 2018
Property Address	3221 S MESTER ST, SAINT CHARLES, MO 63301-8087
Document Number	0069961257
Book / Page	6996 / 1257
Map Reference	MB 42 PG 14
Instrument Date	Oct 29, 2018
Instrument	20181030000617350
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CONTINENTAL TITLE

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	15 PALLADIO PARK, 15, O FALLON, MO 63368-8510

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3221 S MESTER ST, SAINT CHARLES, MO 63301-8087

Mortgage

Document Number	20181030000617360
Date	Oct 30, 2018
Instrument	20181030000617360

Lender

Name	THE BANK OF VERSAILLES
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$2,670.00 (+7.66%)	$40,723 (+10.79%)	$214,332 (+10.79%) Land $53,336 Building $160,996
2024	$2,480.00
2023		$36,758
2022			$193,462 Land $40,002 Building $153,460

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 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.

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