St. Charles County property record for 3410 Clearfield Ln, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,041 sqft · built 1998 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $262,900 (Aug 2005) |
| Tax Bill | $4,518 (2024) |
| Deeds & Mortgages | Jul 2023 Line of Credit Mar 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | A983000702 |
| Primary APN | A983000702 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,041 sqft Living Area |
| Gross Area | 4,470 sqft |
| 1st Floor Area | 2,041 sqft |
| Basement Area | 2,011 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 85 sqft |
| Deck Area | Deck Area |
| Patio Area | 227 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A983000702 |
|---|---|
| Street Address | 3410 CLEARFIELD LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-7308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | SOMERSET HILLS #3 LOT 93 |
| Legal Subdivision | SOMERSET HILLS #3 |
| Legal Lot Number | 93 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 311148 |
3410 Clearfield Ln is owned and occupied by two individuals who acquired it in September 2012.
Source: St. Charles County records, as of February 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3410 CLEARFIELD LN, SAINT CHARLES, MO 63303-7308 |
| 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.
| Date | Document |
|---|---|
| Jul 21, 2023 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Mar 18, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2005 · Amount on File |
| Deed Sale | Aug 16, 2005 · Amount on File |
| Prior Sale | Jul 2, 1998 · Amount on File |
| Deed Document Number | 2005760040 |
| Deed Book / Page | 4261 / 704 |
| Last Transfer Date | Sep 26, 2012 |
| Transfer Doc | 0058710744 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3410 CLEARFIELD LN, SAINT CHARLES, MO 63303-7308 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3410 CLEARFIELD LN, SAINT CHARLES, MO 63303-7308 |
| Document Number | 0000029080 |
|---|---|
| Date | Jul 21, 2023 |
| Instrument | 2023R-029080 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 14, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3410 CLEARFIELD LN, SAINT CHARLES, MO 63303-7308 |
| Document Number | 0067191784 |
| Instrument Date | Mar 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 3410 CLEARFIELD LN ST CHARLES MO 633037308, ST CHARLES, MO 63303-7308 |
| Document Number | 0067191784 |
|---|---|
| Date | Mar 30, 2017 |
| Book Page | 006719/001784 |
| Instrument | 188480 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 29, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $79,707 | $419,513 Land $80,000 Building $339,513 | |
| 2024 | $4,518.00 | ||
| 2023 | $73,107 | ||
| 2022 | $384,773 Land $60,000 Building $324,773 |
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 3410 Clearfield Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3410 Clearfield Ln 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 97% of the US · lower than 95% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 243 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 |
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