3408 Apple Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3408 Apple Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,444 sqft · built 1995
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Sep 2021)
Tax Bill	$4,430 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A965000049`

Property Details

APN / Parcel Number

Primary APN	`A965000049`
Alternative APN	`5-0076-7275-00-0049.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,444 sqft Living Area
Gross Area	3,412 sqft
1st Floor Area	1,046 sqft
Basement Area	952 sqft
Finished Basement	446 sqft
Unfinished Basement	506 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Deck Area	Deck Area
Patio Area	411 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A965000049
Street Address	3408 APPLE DR
City	SAINT CHARLES
State	MO
Zip	63301-3211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STABLE RIDGE EST #1 LOT 49
Legal Subdivision	STABLE RIDGE EST #1
Legal Lot Number	49
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1003
Census Tract	310202

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	Individual Name on Record
Mailing Address	3408 APPLE DR, SAINT CHARLES, MO 63301-3211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Oct 3, 2020	Deed of Trust, Mortgage REGIONS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2021 · Amount on Record
Deed Sale	Sep 22, 2021 · Amount on Record
Prior Sale	Sep 11, 2015 · Amount on Record
Deed Document Number	202179218
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 22, 2021
Property Address	3408 APPLE DR, SAINT CHARLES, MO 63301-3211
Document Number	2021R079218
Map Reference	MB 32 PG 240
Instrument Date	Sep 20, 2021
Instrument	2021R-079218
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	ATG

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3408 APPLE DR, 3408, SAINT CHARLES, MO 63301-3211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3408 APPLE DR, SAINT CHARLES, MO 63301-3211

Mortgage

Document Number	2021R079219
Date	Sep 22, 2021
Instrument	2021R-079219

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3408 APPLE DR, SAINT CHARLES, MO 63301-3211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072890159
Date	May 7, 2020
Book Page	7289/159
Instrument	20200507000292050

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	162 Months
Due	Nov 8, 2033

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3408 APPLE DR, SAINT CHARLES, MO 63301-3211
Document Number	0000080266
Instrument Date	Oct 3, 2020
Transaction Type	Mortgage
Record Updated	Feb 1, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3408 APPLE DR ST CHARLES MO 633013211, ST CHARLES, MO 63301-3211

Mortgage

Document Number	0000080266
Date	Oct 21, 2020
Instrument	80266

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	SAINT CHARLES, MO 63301-3211

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 20, 2035

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		$67,886 (-)	$357,296 (-) Building $357,296
2025	$4,430.00	$67,886 (+6.9%)	$357,296 (+6.9%)
2023		$63,504
2022			$334,233 Building $334,233

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	37 (1979–2022)
Claims Outside the SFHA	2 of 37
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 2 claims Severe Storms & Flooding, Aug 1993 · 26 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

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 475 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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