St. Charles County property record for 3404 Edgemont St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,642 sqft · built 1989 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (Feb 2017) |
| Deeds & Mortgages | Sep 2022 Sale Dec 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A896000056 |
| Primary APN | A896000056 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,642 sqft Living Area |
| Gross Area | 4,422 sqft |
| 1st Floor Area | 1,402 sqft |
| Basement Area | 1,280 sqft |
| Finished Basement | 960 sqft |
| Unfinished Basement | 320 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Patio Area | 600 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A896000056 |
|---|---|
| Street Address | 3404 EDGEMONT ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-5500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EDGEMONT LOT 36 |
| Legal Subdivision | EDGEMONT |
| Legal Lot Number | 36 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 310602 |
3404 Edgemont St is owned and occupied by two individuals who acquired it in August 2022.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3404 EDGEMONT ST, SAINT CHARLES, MO 63301-5500 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 6, 2022 | Beneficiary Deed, Transfer |
| Dec 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU |
| Feb 1, 2017 | Warranty Deed, Transfer · Conventional Mortgage FIRST COMMERCE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2017 · Amount on File |
| Deed Sale | Feb 1, 2017 · Amount on File |
| Prior Sale | Oct 10, 2007 · Amount on File |
| Deed Document Number | 201772000 |
| Deed Book / Page | 6694 / 1516 |
| Last Transfer Date | Aug 29, 2022 |
| Transfer Doc | 0000049192 |
| Record Updated | Oct 29, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 6, 2022 |
| Property Address | 3404 EDGEMONT ST, SAINT CHARLES, MO 63301-5500 |
| Document Number | 0000049192 |
| Map Reference | MB 28 PG 23 |
| Instrument Date | Aug 29, 2022 |
| Instrument | 2022R-049192 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3404 EDGEMONT ST, 3404, SAINT CHARLES, MO 63301-5500 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3404 EDGEMONT ST, SAINT CHARLES, MO 63301-5500 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3404 EDGEMONT ST, SAINT CHARLES, MO 63301-5500 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2022 |
| Title Company | CLEAR TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 3404 EDGEMONT ST, SAINT CHARLES, MO 63301-5500 |
| Document Number | 0000103615 |
|---|---|
| Date | Dec 27, 2021 |
| Instrument | 2021R-103615 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 1, 2017 |
| Property Address | 3404 EDGEMONT ST, SAINT CHARLES, MO 63301-5500 |
| Document Number | 0066941516 |
| Book / Page | 6694 / 1516 |
| Map Reference | MB 28 PG 23 |
| Instrument Date | Jan 28, 2017 |
| Instrument | 20170201000072000 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15539 BAYAKOA CT, 15539, SAN ANTONIO, TX 78245-3179 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3404 EDGEMONT ST, SAINT CHARLES, MO 63301-5500 |
| Document Number | 20170201000072010 |
|---|---|
| Date | Feb 1, 2017 |
| Instrument | 20170201000072010 |
| Name | FIRST COMMERCE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2047 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $80,216 | $422,187 Land $75,000 Building $347,187 |
| 2023 | $76,854 | |
| 2022 | $404,496 Land $60,000 Building $344,496 |
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.
FEMA maps place 3404 Edgemont St in Zone X, an area of minimal flood risk, though there have been 61 flood claims nearby since 1979.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 61 (1979–2022) |
| Claims Outside the SFHA | 16 of 61 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 3404 Edgemont St 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 99.1% of the US · lower than 98.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 301 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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