3320 Elm St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3320 Elm St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,152 sqft · built 1955
Lot Size	0.482 acres (21,000 sqft)
Owner	Company Name on Record
Last Sale	$284,520 (May 2025)
Tax Bill	$3,197 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`053870A000`

Property Details

APN / Parcel Number

Primary APN	`053870A000`
Alternative APN	`6-001C-4254-00-0011.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,152 sqft Living Area
Gross Area	3,294 sqft
1st Floor Area	1,452 sqft
Basement Area	1,452 sqft
Finished Basement	700 sqft
Unfinished Basement	752 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,000 sqft (0.482 acres)
Lot Dimensions	210 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	390 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	288 sqft
Deck Area	Deck Area
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	053870A000
Street Address	3320 ELM ST
City	SAINT CHARLES
State	MO
Zip	63301-0516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	ELM PT PL LOT 11
Legal Subdivision	ELM PT PL
Legal Lot Number	11
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2002
Census Tract	310301

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	13610 BARRETT OFFICE DR, 9G, BALLWIN, MO 63021-7841
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2023	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Jul 24, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2025 · Amount on Record
Deed Sale	May 5, 2025 · Amount on Record
Prior Sale	Jul 24, 2023 · Amount on Record
Deed Document Number	202518188
Prior Transfer Date	Jun 28, 2023
Prior Transfer Doc	0000029365
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 24, 2023
Property Address	3320 ELM ST, SAINT CHARLES, MO 63301-0516
Document Number	0000029366
Map Reference	MB 5 PG 2
Instrument Date	Jul 20, 2023
Instrument	2023R-029366
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3775 N TANURI DR, TUCSON, AZ 85750-1939

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3320 ELM ST, SAINT CHARLES, MO 63301-0516
Investor	Possibly a Property Investor

Mortgage

Document Number	0000029367
Date	Jul 24, 2023
Instrument	2023R-029367

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jul 24, 2023
Property Address	3320 ELM ST, SAINT CHARLES, MO 63301-0516
Document Number	0000029365
Map Reference	MB 5 PG 2
Instrument Date	Jun 28, 2023
Instrument	2023R-029365
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1229 QUEENS TRAIL LN, BLACKWELL, MO 63626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4145 MALUS DR, SAINT LOUIS, MO 63125-3028

Tax Assessment & Valuation

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		$50,988 (-)	$268,358 (-) Land $45,000 Building $223,358
2025	$3,197.00 (+15.58%)	$50,988 (+1.9%)	$268,358 (+1.9%) Land $45,000 Building $223,358
2023		$50,036 (+24.42%)
2022	$2,766.00	$40,216	$263,345 (+24.42%) Land $35,000 Building $228,345
2021			$211,661 Land $35,000 Building $176,661

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	75 (1979–2015)
Claims Outside the SFHA	1 of 75
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Flooding, Jun 2011 · 3 claims Severe Storms And Flooding, Jul 2008 · 2 claims Severe Storms & Flooding, Aug 1993 · 25 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 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 386 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: Verizon.

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