3401 E Greensmith St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3401 E Greensmith St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,956 sqft · built 2014
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$635,000 (Aug 2021)
Tax Bill	$6,731 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Feb 2018 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`T070501018`

Property Details

APN / Parcel Number

Primary APN	`T070501018`
Alternative APN	`5-116B-A253-00-2819.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,956 sqft Living Area
Gross Area	3,985 sqft
1st Floor Area	1,503 sqft
Basement Area	1,111 sqft
Finished Basement	342 sqft
Unfinished Basement	769 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Garage Area	260 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Solar
Sewer	Connected

Location & Zoning

Account Number	T070501018
Street Address	3401 E GREENSMITH ST
City	SAINT CHARLES
State	MO
Zip	63301-8238
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHARLES #6 LOT 2819
Legal Subdivision	NEW TOWN AT ST CHARLES #6
Legal Lot Number	2819
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	3
Census Block	3008
Census Tract	310201

Owner

Source: St. Charles County records, as of September 10, 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 Record
Mailing Address	3401 E GREENSMITH ST, SAINT CHARLES, MO 63301-8238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Feb 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTEGRITY MORTGAGE SERVICES INC
Feb 6, 2018	Deed of Trust, Mortgage · ARM FIRST INTEGRITY MORTGAGE SERVICES INC
Sep 28, 2017	Deed of Trust, Mortgage FIRST MID IL BK&TR
Feb 15, 2017	Loan Modification, Mortgage FIRST CLOVER LEAF BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2021 · Amount on Record
Deed Sale	Aug 30, 2021 · Amount on Record
Prior Sale	Jun 4, 2015 · Amount on Record
Deed Document Number	202172657
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 30, 2021
Property Address	3401 E GREENSMITH ST, SAINT CHARLES, MO 63301-8238
Document Number	2021R072657
Map Reference	MB 44 PG 104
Instrument Date	Aug 27, 2021
Instrument	2021R-072657
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3401 E GREENSMITH ST, 3401, SAINT CHARLES, MO 63301-8238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 E GREENSMITH ST, SAINT CHARLES, MO 63301-8238

Mortgage

Document Number	2021R072658
Date	Aug 30, 2021
Instrument	2021R-072658

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3401 E GREENSMITH ST, SAINT CHARLES, MO 63301-8238
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068752299
Date	Feb 6, 2018
Book Page	6875/2299
Instrument	20180206000067300

Lender

Name	FIRST INTEGRITY MORTGAGE SERVICES INC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3401 E GREENSMITH ST, SAINT CHARLES, MO 63301-8238
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068752321
Date	Feb 6, 2018
Book Page	6875/2321
Instrument	20180206000067310

Lender

Name	FIRST INTEGRITY MORTGAGE SERVICES INC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Feb 1, 2023
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year CMT
Max Rate	11%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3401 E GREENSMITH ST, SAINT CHARLES, MO 63301-8238
Document Number	0068161967
Book / Page	006816 / 001967
Instrument Date	Sep 28, 2017
Transaction Type	Mortgage
Record Updated	Oct 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3401 E GREENSMITH ST ST CHARLES MO 633018238, ST CHARLES, MO 63301-8238

Mortgage

Document Number	0068161967
Date	Oct 2, 2017
Book Page	006816/001967
Instrument	619030

Lender

Name	FIRST MID IL BK&TR
Type	Bank
Address	MATTOON, IL 61938

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	3401 E GREENSMITH ST, SAINT CHARLES, MO 63301-8238
Document Number	0067500639
Book / Page	006750 / 000639
Instrument Date	Feb 15, 2017
Transaction Type	Mortgage
Record Updated	Jun 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3401 E GREENSMITH ST ST CHARLES MO 633018238, ST CHARLES, MO 63301-8238

Mortgage

Document Number	0067500639
Date	May 30, 2017
Book Page	006750/000639
Instrument	326010

Lender

Name	FIRST CLOVER LEAF BK
Type	Bank
Address	EDWARDSVILLE, IL 62025

Agreement

Term	12 Months
Due	May 29, 2018

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,400 (-)	$544,210 (-) Land $96,000 Building $448,210
2025	$6,731.00	$103,400 (+10.93%)	$544,210 (+10.93%) Land $96,000 Building $448,210
2023		$93,208
2022			$490,570 Land $72,000 Building $418,570

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 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force

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	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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