St. Charles County property record for 3246 Camp St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,992 sqft · built 2019 |
| Lot Size | 0.093 acres (4,073 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $323,000 (Oct 2019) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T190500023 |
| Primary APN | T190500023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,992 sqft Living Area |
| Basement Area | 996 sqft |
| Year Built | Built 2019 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Siding |
| Lot Area | 4,073 sqft (0.093 acres) |
| Sewer | Connected |
|---|
| Account Number | T190500023 |
|---|---|
| Street Address | 3246 CAMP ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS #10-G LOT 8265 |
| Legal Range | 05E |
| Legal Township | 47N |
| Legal Subdivision | NEW TOWN AT ST CHAS #10-G |
| Legal Lot Number | 8265 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 310201 |
3246 Camp St is owned and occupied by two individuals who bought it in October 2019.
Source: St. Charles County records, as of October 19, 2023
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3246 CAMP ST, SAINT CHARLES, MO 63301-8413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| May 14, 2020 | Deed of Trust, Mortgage CALIBER HM LOANS |
| Oct 25, 2019 | Warranty Deed, Transfer CALIBER HM LOANS |
| Aug 27, 2019 | Warranty Deed, Transfer · VA Mortgage BUSEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2019 · Amount on File |
| Deed Sale | Oct 25, 2019 · Amount on File |
| Prior Sale | Aug 27, 2019 |
| Deed Document Number | 0071691954 |
| Deed Book / Page | 7169 / 1954 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3246 CAMP ST, SAINT CHARLES, MO 63301-8413 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 2021R037101 |
|---|---|
| Date | Apr 28, 2021 |
| Instrument | 2021R-037101 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3246 CAMP ST, SAINT CHARLES, MO 63301-8413 |
| Document Number | 0073011302 |
| Instrument Date | May 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3246 CAMP ST ST CHARLES MO 633018413, ST CHARLES, MO 63301-8413 |
| Document Number | 0073011302 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 007301/001302 |
| Instrument | 334400 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 21, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 25, 2019 |
| Property Address | 3246 CAMP ST, SAINT CHARLES, MO 63301-8413 |
| Document Number | 0071691954 |
| Book / Page | 007169 / 001954 |
| Instrument Date | Oct 24, 2019 |
| Instrument | 604210 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2019 |
| Title Company | ENTERPRISE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3246 CAMP ST ST CHARLES MO 633018413, ST CHARLES, MO 63301-8413 |
| Document Number | 71691956 |
|---|---|
| Date | Oct 25, 2019 |
| Book Page | 007169/001956 |
| Instrument | 604220 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 24, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 27, 2019 |
| Property Address | 3246 CAMP ST, SAINT CHARLES, MO 63301-8413 |
| Document Number | 0071301052 |
| Book / Page | 7130 / 1052 |
| Map Reference | MB 50 PG 66 |
| Instrument Date | Aug 23, 2019 |
| Instrument | 20190827000455220 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | DEPENDABLE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16091 SWINGLEY RIDGE RD # RD300, 16091, CHESTERFIELD, MO 63017-2005 |
| Name | Verified Name |
|---|---|
| Address | 3246 CAMP ST, SAINT CHARLES, MO 63301-8413 |
| Document Number | 20190827000455230 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 20190827000455230 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
Source: St. Charles County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $69,799 | |
| 2022 | $367,363 Land $36,000 Building $331,363 |
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.
FEMA maps place 3246 Camp St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
The area around 3246 Camp St has no burnable land within ember reach, so its wildfire risk is not rated.
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 657 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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