3471 Hempstead St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3471 Hempstead St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,900 sqft · built 2006
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Nov 2020)
Tax Bill	$4,162 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T070500656`

Property Details

APN / Parcel Number

Primary APN	`T070500656`
Alternative APN	`5-116B-A101-00-2070.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,900 sqft Living Area
Gross Area	2,280 sqft
1st Floor Area	760 sqft
Basement Area	760 sqft
Finished Basement	380 sqft
Unfinished Basement	380 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	2,614 sqft (0.06 acres)
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	140 sqft
Deck Area	Deck Area
Patio Area	284 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500656
Street Address	3471 HEMPSTEAD ST
City	SAINT CHARLES
State	MO
Zip	63301-8234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS #2 LOT 2070
Legal Subdivision	NEW TOWN AT ST CHAS #2
Legal Lot Number	2070
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	4
Census Block	4003
Census Tract	310201

Owner

Source: St. Charles County records, as of August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3471 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2018	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Nov 5, 2020	Warranty Deed, Transfer · VA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2020 · Amount on Record
Deed Sale	Nov 5, 2020 · Amount on Record
Prior Sale	Nov 5, 2020 · Amount on Record
Deed Document Number	202085382
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3471 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068820470
Date	Feb 22, 2018
Book Page	6882/0470
Instrument	20180222000095040

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 5, 2020
Property Address	3471 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8234
Document Number	0000085382
Instrument Date	Nov 2, 2020
Instrument	85382
Transaction Type	Transfer
Record Updated	Mar 4, 2021
Title Company	OTHER

Transaction

Amount	Amount Recorded
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
Address	3471 HEMPSTEAD ST ST CHARLES MO 633018234, ST CHARLES, MO 63301-8234

Mortgage

Document Number	85384
Date	Nov 5, 2020
Instrument	85384

Lender

Name	DAS ACQUISITION
Address	ST LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2050

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	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,753 (-)	$335,542 (-) Land $80,000 Building $255,542
2025	$4,162.00	$63,753 (+9.03%)	$335,542 (+9.03%) Land $80,000 Building $255,542
2023		$58,475
2022			$307,764 Land $60,000 Building $247,764

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding

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	Direct burnable vegetation

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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