3232 Bowman Rdg, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3232 Bowman Rdg, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,934 sqft · built 1981
Lot Size	0.123 acres (5,355 sqft)
Owner	2 Individual Names on File
Last Sale	$35,350 (Sep 2024)
Tax Bill	$3,712 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`062285A031`

Property Details

APN / Parcel Number

Primary APN	`062285A031`
Alternative APN	`6-0005-5034-00-0432.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,934 sqft Living Area
Gross Area	3,464 sqft
1st Floor Area	1,044 sqft
Basement Area	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,355 sqft (0.123 acres)
Lot Dimensions	119 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	50 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Solar
Sewer	Connected

Location & Zoning

Account Number	062285A031
Street Address	3232 BOWMAN RDG
City	SAINT CHARLES
State	MO
Zip	63301-0424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HUNTMOOR EST #4 LOT 432
Legal Subdivision	HUNTMOOR EST #4
Legal Lot Number	432
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2003
Census Tract	310602

Owner

3232 Bowman Rdg is owned and occupied by two individuals who bought it in September 2024.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3232 BOWMAN RDG, SAINT CHARLES, MO 63301-0424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage CITY OF ST CHARLES
Oct 22, 2020	Warranty Deed, Transfer STIFEL BK&TR
Oct 22, 2020	Quit Claim Deed, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2024 · Amount on File
Deed Sale	Sep 18, 2024 · Amount on File
Prior Sale	Oct 22, 2020 · Amount on File
Deed Document Number	202438339
Prior Transfer Date	Sep 13, 2024
Prior Transfer Doc	0000038339
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3232 BOWMAN RDG, SAINT CHARLES, MO 63301-0424
Transaction Type	Mortgage
Record Updated	Nov 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 NORTH SECOND STREET, CHARLESTON, MO

Mortgage

Document Number	2021R086915
Date	Oct 20, 2021
Instrument	2021R-086915

Lender

Name	CITY OF ST CHARLES
Type	Government Agency

Agreement

Amount	Amount on Record

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 22, 2020
Property Address	3232 BOWMAN RDG, SAINT CHARLES, MO 63301-0424
Document Number	0000080802
Instrument Date	Oct 9, 2020
Instrument	80802
Transaction Type	Transfer
Record Updated	Feb 12, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3232 BOWMAN RDG ST CHARLES MO 633010424, ST CHARLES, MO 63301-0424

Mortgage

Document Number	80803
Date	Oct 22, 2020
Instrument	80803

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 21, 2050

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 22, 2020
Property Address	3232 BOWMAN RDG, SAINT CHARLES, MO 63301-0424
Document Number	0000080801
Instrument Date	Sep 21, 2020
Instrument	80801
Transaction Type	Transfer
Record Updated	Feb 4, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2421 CHARWOOD ST ST CHARLES MO 633012519, ST CHARLES, MO 63301-2519

Tax Assessment & Valuation

The 2025 property tax bill for 3232 Bowman Rdg was $3,712.

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		$59,288 (-)	$312,041 (-) Land $60,000 Building $252,041
2025	$3,712.00	$59,288	$312,041 Land $60,000 Building $252,041
2023		$57,231
2022			$301,218 Land $60,000 Building $241,218

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3232 Bowman Rdg 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

Wildfire risk around 3232 Bowman Rdg is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	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 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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