3408 Edgemont St, Saint Charles, MO 63301 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,470 sqft · built 1993
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Sep 2022)
Tax Bill	$4,850 (2024)
Deeds & Mortgages	Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A896000055`

Property Details

APN / Parcel Number

Primary APN	`A896000055`
Alternative APN	`6-0018-6363-00-0035.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,470 sqft Living Area
Gross Area	4,696 sqft
1st Floor Area	1,390 sqft
Basement Area	1,280 sqft
Finished Basement	800 sqft
Unfinished Basement	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Bi-Level
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	746 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	28 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A896000055
Street Address	3408 EDGEMONT ST
City	SAINT CHARLES
State	MO
Zip	63301-5500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDGEMONT LOT 35
Legal Subdivision	EDGEMONT
Legal Lot Number	35
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	1
Census Block	1001
Census Tract	310602

Owner

3408 Edgemont St is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3408 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2022 · Amount on File
Deed Sale	Sep 9, 2022 · Amount on File
Deed Document Number	202249883
Prior Transfer Date	Apr 1, 2015
Prior Transfer Doc	0063321168
Record Updated	Oct 29, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 9, 2022
Property Address	3408 EDGEMONT ST, SAINT CHARLES, MO 63301-5500
Document Number	0000049883
Map Reference	MB 28 PG 23&24
Instrument Date	Aug 12, 2022
Instrument	2022R-049883
Transaction Type	Transfer
Record Updated	Sep 22, 2022
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3209 FOX HILL RD, 3209, SAINT CHARLES, MO 63301-0009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3408 EDGEMONT ST, SAINT CHARLES, MO 63301-5500

Mortgage

Document Number	0000049884
Date	Sep 9, 2022
Instrument	2022R-049884

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

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	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$84,242 (-)	$443,381 (-) Land $75,000 Building $368,381
2025		$84,242	$443,381 Land $75,000 Building $368,381
2024	$4,850.00
2023		$75,803
2022			$398,963 Land $60,000 Building $338,963

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 3408 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	Severe Storms And Flooding, Jul 2022 · 10 claims Flooding, Jun 2011 · 6 claims Severe Storms & Flooding, Jul 1993 · 12 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

Wildfire risk around 3408 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.

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 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