3449 E Greensmith St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3449 E Greensmith St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,032 sqft · built 2015
Lot Size	0.089 acres (3,877 sqft)
Owner	2 Individual Names on Record
Last Sale	$287,000 (Sep 2018)
Tax Bill	$4,584 (2025)
Deeds & Mortgages	May 2020 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T160500151`

Property Details

APN / Parcel Number

Primary APN	`T160500151`
Alternative APN	`5-116B-C215-00-2738.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,032 sqft Living Area
Basement Area	816 sqft

Exterior

Year Built	Built 2015
Exterior Material	Siding
Lot Area	3,877 sqft (0.089 acres)
Terrain	Rolling
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T160500151
Street Address	3449 E GREENSMITH ST
City	SAINT CHARLES
State	MO
Zip	63301-8239
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS #6-G-1 LOT 2738
Legal Range	05E
Legal Township	47N
Legal Subdivision	NEW TOWN AT ST CHAS #6-G-1
Legal Lot Number	2738
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	3
Census Block	3007
Census Tract	310201

Owner

Source: St. Charles County records, as of March 16, 2026

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	3449 E GREENSMITH ST, SAINT CHARLES, MO 63301-8239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2020	Deed of Trust, Mortgage FIRST ST BK/ST CHARLES
Sep 10, 2018	Warranty Deed, Transfer · FHA Mortgage FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2018 · Amount on Record
Deed Sale	Sep 10, 2018 · Amount on Record
Prior Sale	Dec 17, 2015
Deed Document Number	0069741808
Deed Book / Page	6974 / 1808
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3449 E GREENSMITH ST, SAINT CHARLES, MO 63301-8239
Document Number	0072980227
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3449 E GREENSMITH ST ST CHARLES MO 633018239, ST CHARLES, MO 63301-8239

Mortgage

Document Number	0072980227
Date	May 19, 2020
Book Page	007298/000227
Instrument	323080

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 18, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 10, 2018
Property Address	3449 E GREENSMITH ST, SAINT CHARLES, MO 63301-8239
Document Number	0069741808
Book / Page	006974 / 001808
Instrument Date	Sep 10, 2018
Instrument	517840
Transaction Type	Transfer
Record Updated	Oct 2, 2018

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	Joint Tenants with Right of Survivorship
Address	1145 JACKSON LN FLORISSANT MO 630312605, FLORISSANT, MO 63031-2605

Mortgage

Document Number	69741810
Date	Sep 10, 2018
Book Page	006974/001810
Instrument	517850

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2048

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 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	$4,584.00	$70,264 (+2.24%)	$369,809 (+2.24%) Land $80,000 Building $289,809
2023		$68,723
2022			$361,700 Land $60,000 Building $301,700

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
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	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 564 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 · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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