St. Charles County property record for 3260 Upper Bottom Rd, Saint Charles, MO 63303 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,970 sqft · built 1962 |
| Lot Size | 1.55 acres (67,518 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $287,800 (Feb 2021) |
| Tax Bill | $2,539 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jun 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 513450A000 |
| Primary APN | 513450A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,970 sqft Living Area |
| Gross Area | 2,240 sqft |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 1,120 sqft |
| Finished Basement | 850 sqft |
| Unfinished Basement | 270 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 67,518 sqft (1.55 acres) |
| Garage Type | Carport |
| Garage Area | 392 sqft |
| Carport | Carport |
| Carport Area | 392 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 370 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 513450A000 |
|---|---|
| Street Address | 3260 UPPER BOTTOM RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SUR 308 |
| Legal Subdivision | US SURV 308 |
| Legal Lot Number | 6 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 311145 |
Source: St. Charles County records · APN 513450A000
Assessment roll updated August 13, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 3260 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 25, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage THE HOME LOAN EXPERT LLC |
| Jun 04, 2018 | Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP |
| Feb 05, 2019 | Quit Claim Deed, Transfer · VA Mortgage HOME LOAN EXPERT LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 25, 2021 · Amount on Record |
| Deed Sale | Feb 25, 2021 · Amount on Record |
| Prior Sale | Feb 05, 2019 · Amount on Record |
| Deed Document Number | 202116554 |
| Prior Transfer Date | Feb 19, 2021 |
| Prior Transfer Doc | 2021R016554 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 25, 2021 |
| Property Address | 3260 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6228 |
| Document Number | 2021R016554 |
| Instrument Date | Feb 19, 2021 |
| Instrument | 2021R-016554 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3260 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6228 |
| Document Number | 2021R016555 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 2021R-016555 |
| Name | THE HOME LOAN EXPERT LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3260 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6228 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SYNERGY TITLE |
| Name | Verified Name |
|---|
| Document Number | 0069281665 |
|---|---|
| Date | Jun 04, 2018 |
| Book Page | 6928/1665 |
| Instrument | 20180604000308650 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 05, 2019 |
| Property Address | 3260 UPPER BOTTOM RD, SAINT CHARLES, MO 63303-6228 |
| Document Number | 0070322491 |
| Book / Page | 007032 / 002491 |
| Instrument Date | Jan 29, 2019 |
| Instrument | 55250 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2019 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3260 UPPER BOTTOM RD ST CHARLES MO 633036228, ST CHARLES, MO 63303-6228 |
| Document Number | 70322493 |
|---|---|
| Date | Feb 05, 2019 |
| Book Page | 007032/002493 |
| Instrument | 55260 |
| Name | HOME LOAN EXPERT LLC |
|---|---|
| Address | SAINT LOUIS, MO 63144 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 04, 2049 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,539.00 (-3.31%) | $42,119 (-0.45%) | $221,676 (-0.45%) Land $55,002 Building $166,674 |
| 2024 | $2,626.00 | ||
| 2023 | $42,308 | ||
| 2022 | $222,674 Land $50,001 Building $172,673 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111453, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 46 (1978–2024) |
| Claims Outside the SFHA | 28 of 46 |
| Most Recent Claim | Jul 2024, rainfall accumulation |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 294 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| AT&T | Fixed Wireless | 100 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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