St. Charles County property record for 3228 S Mester St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,024 sqft · built 2004 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $220,000 (Nov 2021) |
| Tax Bill | $2,673 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Nov 2021 Sale + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T060500167 |
| Primary APN | T060500167 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 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 |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Lot Area | 2,178 sqft (0.05 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 112 sqft |
| Patio Area | 150 sqft |
| Sewer | Connected |
|---|
| Account Number | T060500167 |
|---|---|
| Old Parcel Number | T060500167 |
| Street Address | 3228 S MESTER ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8088 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS #1 LOT 630 & LOT 630 GARAGE |
| Legal Range | 05E |
| Legal Township | 47N |
| Legal Subdivision | NEW TOWN AT ST CHAS #1 |
| Legal Lot Number | 630 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 310201 |
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3310 N MESTER ST, SAINT CHARLES, MO 63301-8090 |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jan 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GATEWAY FIRST BANK |
| Nov 4, 2021 | Warranty Deed, Transfer CHESTERFIELD TITLE AGCY LLC |
| Jun 4, 2018 | Warranty Deed, Transfer · FHA Mortgage FRONTIER FINANCIAL INC |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2021 · Amount on Record |
| Deed Sale | Nov 4, 2021 · Amount on Record |
| Prior Sale | Jun 4, 2018 |
| Deed Document Number | 0202191204 |
| Deed Book / Page | 2021 / 91204 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3228 S MESTER ST, SAINT CHARLES, MO 63301-8088 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 6008 VIA MONTANEZ, CAMARILLO, CA 93012-9400 |
| Document Number | 0000000014 |
|---|---|
| Date | Jan 3, 2022 |
| Instrument | 2022R-000014 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Address | JENKS, OK 74037 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 4, 2021 |
| Property Address | 3228 S MESTER ST, SAINT CHARLES, MO 63301-8088 |
| Document Number | 2021R091204 |
| Map Reference | MB 42 PG 14 |
| Instrument Date | Nov 1, 2021 |
| Instrument | 2021R-091204 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | CHESTERFIELD TITLE AGCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3228 S MESTER ST, 3228, SAINT CHARLES, MO 63301-8088 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 3228 S MESTER ST, SAINT CHARLES, MO 63301-8088 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 4, 2018 |
| Property Address | 3228 S MESTER ST, SAINT CHARLES, MO 63301-8088 |
| Document Number | 0069280603 |
| Book / Page | 6928 / 0603 |
| Map Reference | MB 42 PG 14 |
| Instrument Date | May 29, 2018 |
| Instrument | 20180604000306320 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3228 S MESTER ST, SAINT CHARLES, MO 63301-8088 |
| Document Number | 20180604000306330 |
|---|---|
| Date | Jun 4, 2018 |
| Instrument | 20180604000306330 |
| Name | FRONTIER FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2048 |
Source: St. Charles County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $2,673.00 | $40,762 (+10.77%) | $214,535 (+10.77%) Land $53,336 Building $161,199 |
| 2023 | $36,799 | ||
| 2022 | $193,678 Land $40,002 Building $153,676 |
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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