3405 Broad St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3405 Broad St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,680 sqft · built 2019
Lot Size	0.102 acres (4,430 sqft)
Owner	2 Individual Names on File
Last Sale	$365,280 (May 2025)
Tax Bill	$4,838 (2025)
Deeds & Mortgages	Dec 2019 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T180500200`

Property Details

APN / Parcel Number

Primary APN	`T180500200`
Alternative APN	`5-116C-C527-00-8445.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,680 sqft Living Area
Gross Area	2,320 sqft
1st Floor Area	1,040 sqft
Basement Area	640 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	4,430 sqft (0.102 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180500200
Street Address	3405 BROAD ST
City	SAINT CHARLES
State	MO
Zip	63301-8498
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS #10-F LOT 8445
Legal Subdivision	NEW TOWN AT ST CHAS #10-F
Legal Lot Number	8445
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1005
Census Tract	310201

Owner

3405 Broad St is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3405 BROAD ST, SAINT CHARLES, MO 63301-8498
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2025 · Amount on File
Deed Sale	May 23, 2025 · Amount on File
Prior Sale	Dec 2, 2019 · Amount on File
Deed Document Number	202521548
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 2, 2019
Property Address	3405 BROAD ST, SAINT CHARLES, MO 63301-8498
Document Number	0071901074
Book / Page	7190 / 1074
Map Reference	MB 49 PG 227
Instrument Date	Nov 26, 2019
Instrument	20191202000684690
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16091 SWINGLEY RIDGE RD # RD300, 16091, CHESTERFIELD, MO 63017-2005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 BROAD ST, SAINT CHARLES, MO 63301-8498

Mortgage

Document Number	20191202000684700
Date	Dec 2, 2019
Instrument	20191202000684700

Lender

Name	PARAMOUNT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3405 Broad St was $4,838.

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		$62,730 (-)	$330,160 (-) Land $48,000 Building $282,160
2025	$4,838.00	$62,730	$330,160 Land $48,000 Building $282,160
2023		$58,190
2022			$306,262 Land $36,000 Building $270,262

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 3405 Broad St in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 31 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	3 (2013–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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 3405 Broad St 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 657 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20