St. Charles County property record for 3409 Elm St, Saint Charles, MO 63301
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2.5 ba · 1,188 sqft · built 1965 |
| Lot Size | 0.096 acres (4,200 sqft) |
| Owner | Company Name on File |
| Last Sale | $65,000 (Jul 2017) |
| Tax Bill | $1,522 (2025) |
| Deeds & Mortgages | Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 036125A000 |
| Primary APN | 036125A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,188 sqft Living Area |
| Gross Area | 1,320 sqft |
| 1st Floor Area | 660 sqft |
| Basement Area | 660 sqft |
| Finished Basement | 528 sqft |
| Unfinished Basement | 132 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Split Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,200 sqft (0.096 acres) |
| Lot Dimensions | 100 ft deep x 42 ft wide |
| Garage Type | Carport |
| Garage Area | 360 sqft |
| Carport | Carport |
| Carport Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 036125A000 |
|---|---|
| Street Address | 3409 ELM ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0517 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | AF2 |
| Legal Description | BRIARCLIFF #3 S PT LOT H |
| Legal Subdivision | BRIARCLIFF #3 |
| Legal Lot Number | H |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 310602 |
3409 Elm St, a duplex, is owned by a company that bought it in July 2017.
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 312 CLARENDON LN, SAINT CHARLES, MO 63301-4503 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 26, 2017 · Amount on File |
| Deed Sale | Jul 26, 2017 · Amount on File |
| Prior Sale | Dec 15, 2016 · Amount on File |
| Deed Document Number | 2017462000 |
| Deed Book / Page | 6780 / 1672 |
| Prior Transfer Date | Jul 28, 1998 |
| Prior Transfer Doc | 0000076871 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 26, 2017 |
| Property Address | 3409 ELM ST, SAINT CHARLES, MO 63301-0517 |
| Document Number | 0067801672 |
| Book / Page | 006780 / 001672 |
| Instrument Date | Jul 24, 2017 |
| Instrument | 462000 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2017 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 610 S MAIN ST ST CHARLES MO 633013441, ST CHARLES, MO 63301-3441 |
| Document Number | 67801674 |
|---|---|
| Date | Jul 26, 2017 |
| Book Page | 006780/001674 |
| Instrument | 462010 |
| Name | CENTRAL BK/ST LOUIS |
|---|---|
| Address | SAINT LOUIS, MO 63105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3409 Elm St was $1,522, up 6% from the year before.
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $24,008 (-) | $126,358 (-) Land $36,000 Building $90,358 | |
| 2025 | $1,522.00 (+5.99%) | $24,008 | $126,358 Land $36,000 Building $90,358 |
| 2024 | $1,436.00 | ||
| 2023 | $22,092 | ||
| 2022 | $116,272 Land $36,000 Building $80,272 |
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 3409 Elm St in Zone X, an area of minimal 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 minimal risk |
|---|---|
| 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 16 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 71 (1979–2022) |
| Claims Outside the SFHA | 11 of 71 |
| 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.
The area around 3409 Elm 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.
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 386 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 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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