St. Charles County property record for 3224 Canal St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,096 sqft · built 2005 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $360,000 (Nov 2021) |
| Tax Bill | $4,546 (2025) |
| Deeds & Mortgages | Nov 2021 Sale Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T060500190 |
| Primary APN | T060500190 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,096 sqft Living Area |
| Gross Area | 2,712 sqft |
| 1st Floor Area | 952 sqft |
| Basement Area | 880 sqft |
| Finished Basement | 264 sqft |
| Unfinished Basement | 616 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 154 sqft |
| Deck Area | Deck Area |
| Patio Area | 258 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T060500190 |
|---|---|
| Street Address | 3224 CANAL ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8085 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS #1 LOT 727 |
| Legal Subdivision | NEW TOWN AT ST CHAS #1 |
| Legal Lot Number | 727 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 310201 |
Source: St. Charles County records, as of September 10, 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 | 3224 CANAL ST, SAINT CHARLES, MO 63301-8085 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2021 | Warranty Deed, Transfer TITLE PARTNERS AGENCY LLC |
| Nov 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Jul 8, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2021 · Amount on Record |
| Deed Sale | Nov 30, 2021 · Amount on Record |
| Prior Sale | Dec 16, 2014 |
| Deed Document Number | 202197115 |
| Prior Transfer Date | Jun 30, 2021 |
| Prior Transfer Doc | 0000057617 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 30, 2021 |
| Property Address | 3224 CANAL ST, SAINT CHARLES, MO 63301-8085 |
| Document Number | 0000097114 |
| Map Reference | MB 42 PG 14 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 2021R-097114 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 2419 S LAKERIDGE CT, LAKE ST LOUIS, MO 63367-2523 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 30, 2021 |
| Property Address | 3224 CANAL ST, SAINT CHARLES, MO 63301-8085 |
| Document Number | 0000097115 |
| Map Reference | MB 42 PG 14 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 2021R-097115 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2419 S LAKERIDGE CT, 2419, LAKE ST LOUIS, MO 63367-2523 |
| Name | Verified Name |
|---|---|
| Address | 3224 CANAL ST, SAINT CHARLES, MO 63301-8085 |
| Document Number | 0000097116 |
|---|---|
| Date | Nov 30, 2021 |
| Instrument | 2021R-097116 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 8, 2021 |
| Property Address | 3224 CANAL ST, SAINT CHARLES, MO 63301-8085 |
| Document Number | 0000057617 |
| Map Reference | MB 42 PG 14 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 2021R-057617 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 3224 CANAL ST, SAINT CHARLES, MO 63301-8085 |
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $69,668 (-) | $366,673 (-) Land $80,000 Building $286,673 | |
| 2025 | $4,546.00 (+4.87%) | $69,668 (+7.83%) | $366,673 (+7.83%) Land $80,000 Building $286,673 |
| 2024 | $4,335.00 | ||
| 2023 | $64,610 | ||
| 2022 | $340,053 Land $60,000 Building $280,053 |
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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