3405 E Greensmith St, Saint Charles, MO 63301 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,032 sqft · built 2013
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$301,600 (Jul 2018)
Tax Bill	$4,979 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T070501019`

Property Details

APN / Parcel Number

Primary APN	`T070501019`
Alternative APN	`5-116B-A253-00-2820.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,032 sqft Living Area
Gross Area	3,288 sqft
1st Floor Area	1,216 sqft
Basement Area	816 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070501019
Street Address	3405 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 2820
Legal Subdivision	NEW TOWN AT ST CHARLES #6
Legal Lot Number	2820
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 August 13, 2025

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	3405 E GREENSMITH ST, SAINT CHARLES, MO 63301-8238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL BANK
Mar 25, 2019	Deed of Trust, Mortgage · FHA Mortgage STIFEL BK&TR
Jul 11, 2018	Warranty Deed, Transfer · FHA Mortgage STIFEL BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2018 · Amount on Record
Deed Sale	Jul 11, 2018 · Amount on Record
Prior Sale	Apr 28, 2014 · Amount on Record
Deed Document Number	2018392020
Deed Book / Page	6947 / 627
Prior Transfer Date	Jul 1, 2015
Prior Transfer Doc	0063891199
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3405 E GREENSMITH ST, SAINT CHARLES, MO 63301-8238
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068450050
Date	Nov 29, 2017
Book Page	6845/0050
Instrument	20171129000737200

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3405 E GREENSMITH ST, SAINT CHARLES, MO 63301-8238
Document Number	0070521231
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 12, 2019
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3405 E GREENSMITH ST ST CHARLES MO 633018238, ST CHARLES, MO 63301-8238

Mortgage

Document Number	0070521231
Date	Mar 29, 2019
Book Page	007052/001231
Instrument	139360

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 11, 2018
Property Address	3405 E GREENSMITH ST, SAINT CHARLES, MO 63301-8238
Document Number	0069470627
Book / Page	006947 / 000627
Instrument Date	Jul 6, 2018
Instrument	392020
Transaction Type	Transfer
Record Updated	Aug 10, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3405 E GREENSMITH ST ST CHARLES MO 633018238, ST CHARLES, MO 63301-8238

Mortgage

Document Number	69470629
Date	Jul 11, 2018
Book Page	006947/000629
Instrument	392030

Lender

Name	STIFEL BK&TR
Type	Bank
Address	ST LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2048

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$4,979.00 (+0.3%)	$76,357 (+3.1%)	$401,877 (+3.1%) Land $96,000 Building $305,877
2024	$4,964.00
2023		$74,059
2022			$389,783 Land $72,000 Building $317,783

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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