34 Terrie Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 34 Terrie Ln, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,625 sqft · built 1960
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on File
Last Sale	$328,000 (May 2025)
Tax Bill	$3,126 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`097570A000`

Property Details

APN / Parcel Number

Primary APN	`097570A000`
Alternative APN	`6-010A-4152-00-0034.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,625 sqft Living Area
Gross Area	3,373 sqft
1st Floor Area	1,349 sqft
Basement Area	1,344 sqft
Finished Basement	1,276 sqft
Unfinished Basement	68 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	264 sqft
Patio Area	540 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	097570A000
Street Address	34 TERRIE LN
City	SAINT CHARLES
State	MO
Zip	63301-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WEST WIND #2 LOT 34
Legal Subdivision	WEST WIND #2
Legal Lot Number	34
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2006
Census Tract	310700

Owner

34 Terrie Ln is owned by an individual who bought it in May 2025.

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

Owner of Record	Individual Name on File
Mailing Address	7 WESTWOOD PL, JACKSONVILLE, IL 62650-2272
Owner Type	Individual
Vesting	Single

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
Jul 14, 2017	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FCU
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2025 · Amount on File
Deed Sale	May 21, 2025 · Amount on File
Prior Sale	Aug 25, 2015 · Amount on File
Deed Document Number	202521206
Prior Transfer Date	Jul 12, 2012
Prior Transfer Doc	0000539220
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	34 TERRIE LN, SAINT CHARLES, MO 63301-3104
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000434980
Date	Jul 14, 2017
Book Page	6775/0071
Instrument	20170714000434980

Lender

Name	FIRST FINANCIAL FCU
Type	Credit Union
Address	WENTZVILLE, MO 63385

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Jun 27, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	34 TERRIE LN, SAINT CHARLES, MO 63301-3104
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 TERRIE LN, SAINT CHARLES, MO 63301-3104

Mortgage

Document Number	0000008718
Date	Jan 29, 2021
Instrument	2021R-008718

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 34 Terrie Ln was $3,126.

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		$49,842 (-)	$262,328 (-) Land $55,000 Building $207,328
2025	$3,126.00	$49,842	$262,328 Land $55,000 Building $207,328
2023		$47,044
2022			$247,601 Land $40,000 Building $207,601

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 34 Terrie Ln in Zone X, an area of minimal 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	16 (1978–2015)
Claims Outside the SFHA	4 of 16
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms & Flooding, Sep 1993 · 3 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

Wildfire risk around 34 Terrie Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% 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 269 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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