3277 Cog Wheel Station, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3277 Cog Wheel Station, Saint Charles, MO 63301

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,344 sqft · built 2006
Lot Size	0.06 acres (2,614 sqft)
Owner	Company Name on File
Last Sale	$153,801 (Jul 2006)
Tax Bill	$2,896 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Feb 2023 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`T070500055`

Property Details

APN / Parcel Number

Primary APN	`T070500055`
Alternative APN	`5-116C-A003-00-0055.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	2,164 sqft
1st Floor Area	764 sqft
Basement Area	580 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	2,614 sqft (0.06 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	60 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500055
Street Address	3277 COG WHEEL STA
City	SAINT CHARLES
State	MO
Zip	63301-2477
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	CHARLESTOWNE #1 LOT 55
Legal Subdivision	CHARLESTOWNE #1
Legal Lot Number	55
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2024
Census Tract	310201

Owner

3277 Cog Wheel Station, a condominium, is owned by a company that acquired it in January 2018.

Source: St. Charles County records, as of October 16, 2026

Owner of Record	Company Name on File
Mailing Address	3277 COG WHEEL STA, SAINT CHARLES, MO 63301-2477
Owner Type	Company
Vesting	Borrower in Default

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
Sep 30, 2026	Deed of Trust, Mortgage · FHA Mortgage PROSPERITY HOME MORTGAGE
Feb 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF SPRINGFIELD
Jun 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2006 · Amount on File
Deed Sale	Jul 6, 2006 · Amount on File
Deed Document Number	2006569330
Deed Book / Page	4523 / 705
Last Transfer Date	Jan 29, 2018
Transfer Doc	0069390596
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Sep 30, 2026
Property Address	3277 COG WHEEL STA, SAINT CHARLES, MO 63301-2477
Document Number	0000046661
Instrument Date	Sep 25, 2026
Instrument	202646661
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust, 222
Address	3277 COG WHEEL STA, SAINT CHARLES, MO 63301-2477

Mortgage

Document Number	0000046661,
Date	Sep 30, 2026
Instrument	202646661

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3277 COG WHEEL STA, SAINT CHARLES, MO 63301-2477
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3277 COG WHEEL STA, SAINT CHARLES, MO 63301-2477

Mortgage

Document Number	0000005943
Date	Feb 16, 2023
Instrument	2023R-005943

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3277 COG WHEEL STA, SAINT CHARLES, MO 63301-2477
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3277 COG WHEEL STA, SAINT CHARLES, MO 63301-2477

Mortgage

Document Number	2021R009975
Date	Feb 2, 2021
Instrument	2021R-009975

Lender

Name	BANK OF SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62703

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 26, 2018
Property Address	3277 COG WHEEL STA, SAINT CHARLES, MO 63301-2477
Document Number	0069390596
Book / Page	006939 / 000596
Instrument Date	Jan 29, 2018
Instrument	355530
Transaction Type	Transfer
Record Updated	Jul 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3277 COG WHEEL STA ST CHARLES MO 633012477, ST CHARLES, MO 63301-2477

Tax Assessment & Valuation

The 2025 property tax bill for 3277 Cog Wheel Station was $2,896, up 10.6% from the year before.

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	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$44,206 (-)	$232,664 (-) Building $232,664
2025	$2,896.00 (+10.62%)	$44,206	$232,664 Building $232,664
2024	$2,618.00
2023		$38,828
2022			$204,358 Building $204,358

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.

Flood

FEMA maps place 3277 Cog Wheel Station in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 81 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	81 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Sep 2021 · other causes

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

The area around 3277 Cog Wheel Station 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.

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 688 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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