St. Charles County property record for 3245 S Mester St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,448 sqft · built 2004 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $359,100 (Feb 2024) |
| Tax Bill | $3,765 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Mar 2023 Sale + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T060500156 |
| Primary APN | T060500156 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,448 sqft Living Area |
| Gross Area | 2,251 sqft |
| 1st Floor Area | 803 sqft |
| Basement Area | 803 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Lot Area | 3,920 sqft (0.09 acres) |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 91 sqft |
| Deck Area | 96 sqft |
| Patio Area | 96 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T060500156 |
|---|---|
| Street Address | 3245 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 549 |
| Legal Subdivision | NEW TOWN AT ST CHAS #1 |
| Legal Lot Number | 549 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1049 |
| Census Tract | 310201 |
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 | 3245 S MESTER ST, SAINT CHARLES, MO 63301-8087 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 9, 2024 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Mar 10, 2023 | Beneficiary Deed, Transfer |
| Dec 16, 2020 | Deed of Trust, Mortgage CENTRAL BK/ST LOUIS |
| Nov 25, 2019 | Warranty Deed, Transfer CENTRAL BK/ST LOUIS |
| Apr 17, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 9, 2024 · Amount on Record |
| Deed Sale | Feb 9, 2024 · Amount on Record |
| Prior Sale | Nov 25, 2019 · Amount on Record |
| Deed Document Number | 20245330 |
| Last Transfer Date | Dec 6, 2024 |
| Transfer Doc | 0000051896 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 9, 2024 |
| Property Address | 3245 S MESTER ST, SAINT CHARLES, MO 63301-8087 |
| Document Number | 0000005330 |
| Map Reference | MB 42 PG 14 |
| Instrument Date | Feb 7, 2024 |
| Instrument | 2024R-005330 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2024 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1101 NEWSOM MOUND RD, SPRINGTOWN, TX 76082-7341 |
| Name | Verified Name |
|---|---|
| Address | 3245 S MESTER ST, SAINT CHARLES, MO 63301-8087 |
| Document Number | 0000005331 |
|---|---|
| Date | Feb 9, 2024 |
| Instrument | 2024R-005331 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 10, 2023 |
| Property Address | 3245 S MESTER ST, SAINT CHARLES, MO 63301-8087 |
| Document Number | 0000008933 |
| Map Reference | MB 42 PG 14 |
| Instrument Date | Mar 10, 2023 |
| Instrument | 2023R-008933 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 3245 S MESTER ST, SAINT CHARLES, MO 63301-8087 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3245 S MESTER ST, SAINT CHARLES, MO 63301-8087 |
| Document Number | 0000100769 |
| Instrument Date | Dec 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 3245 S MESTER ST ST CHARLES MO 633018087, ST CHARLES, MO 63301-8087 |
| Document Number | 0000100769 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 100769 |
| Name | CENTRAL BK/ST LOUIS |
|---|---|
| Address | SAINT LOUIS, MO 63105-1809 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 21, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 25, 2019 |
| Property Address | 3245 S MESTER ST, SAINT CHARLES, MO 63301-8087 |
| Document Number | 0071880182 |
| Book / Page | 007188 / 000182 |
| Instrument Date | Nov 21, 2019 |
| Instrument | 675470 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2019 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3245 S MESTER ST ST CHARLES MO 633018087, ST CHARLES, MO 63301-8087 |
| Document Number | 71880184 |
|---|---|
| Date | Nov 25, 2019 |
| Book Page | 007188/000184 |
| Instrument | 675480 |
| Name | CENTRAL BK/ST LOUIS |
|---|---|
| Address | SAINT LOUIS, MO 63105-1809 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 24, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 17, 2018 |
| Property Address | 3245 S MESTER ST, SAINT CHARLES, MO 63301-8087 |
| Document Number | 0069060526 |
| Book / Page | 006906 / 000526 |
| Instrument Date | Apr 16, 2018 |
| Instrument | 207740 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3245 S MESTER ST ST CHARLES MO 633018087, ST CHARLES, MO 63301-8087 |
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 | $57,624 (-) | $303,283 (-) Land $73,336 Building $229,947 | |
| 2025 | $3,765.00 (+6.84%) | $57,624 (+9.9%) | $303,283 (+9.9%) Land $73,336 Building $229,947 |
| 2024 | $3,524.00 | ||
| 2023 | $52,434 | ||
| 2022 | $275,971 Land $55,002 Building $220,969 |
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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