3461 E Greensmith St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3461 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	0.076 acres (3,354 sqft)
Owner	2 Individual Names on Record
Last Sale	$277,000 (Jan 2018)
Tax Bill	$4,625 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Dec 2021 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T160500154`

Property Details

APN / Parcel Number

Primary APN	`T160500154`
Alternative APN	`5-116B-C215-00-2741.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 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	3,354 sqft (0.076 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T160500154
Street Address	3461 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 2741
Legal Range	05E
Legal Township	47N
Legal Subdivision	NEW TOWN AT ST CHAS #6-G-1
Legal Lot Number	2741
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	3461 E GREENSMITH ST, SAINT CHARLES, MO 63301-8239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2022	Deed of Trust, Mortgage · Line of Credit IAA CU
Dec 8, 2021	Deed of Trust, Mortgage · Line of Credit IAA CU
Jan 17, 2018	Warranty Deed, Transfer · FHA Mortgage MORTGAGE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2018 · Amount on Record
Deed Sale	Jan 17, 2018 · Amount on Record
Prior Sale	Oct 13, 2015
Deed Document Number	0006868192
Deed Book / Page	6868 / 192
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3461 E GREENSMITH ST, SAINT CHARLES, MO 63301-8239
Transaction Type	Mortgage
Record Updated	Sep 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3461 E GREENSMITH ST, SAINT CHARLES, MO 63301-8239

Mortgage

Document Number	0000049960
Date	Sep 9, 2022
Instrument	2022R-049960

Lender

Name	IAA CU
Type	Credit Union
Address	BLOOMINGTON, IL 61701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 8, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3461 E GREENSMITH ST, SAINT CHARLES, MO 63301-8239
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3461 E GREENSMITH ST, SAINT CHARLES, MO 63301-8239

Mortgage

Document Number	0000099368
Date	Dec 8, 2021
Instrument	2021R-099368

Lender

Name	IAA CU
Type	Credit Union
Address	BLOOMINGTON, IL 61701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 7, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 17, 2018
Property Address	3461 E GREENSMITH ST, SAINT CHARLES, MO 63301-8239
Document Number	0068680192
Book / Page	006868 / 000192
Instrument Date	Jan 16, 2018
Instrument	31110
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	CONTINENTAL

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	Married Couple
Address	3461 E GREENSMITH ST ST CHARLES MO 633018239, ST CHARLES, MO 63301-8239

Mortgage

Document Number	68680194
Date	Jan 17, 2018
Book Page	006868/000194
Instrument	31120

Lender

Name	MORTGAGE SVCS
Type	Mortgage Company
Address	BLOOMINGTON, IL 61704

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 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	$4,625.00	$70,892 (+2.18%)	$373,115 (+2.18%) Land $80,000 Building $293,115
2023		$69,380
2022			$365,158 Land $60,000 Building $305,158

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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