3473 Harbor Crossing Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3473 Harbor Crossing Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,982 sqft · built 2017
Lot Size	0.154 acres (6,704 sqft)
Owner	2 Individual Names on Record
Last Sale	$276,000 (Aug 2018)
Tax Bill	$5,671 (2025)
Deeds & Mortgages	Sep 2026 Transfer Dec 2022 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`T170500030`

Property Details

APN / Parcel Number

Primary APN	`T170500030`
Alternative APN	`5-116B-C372-00-0087.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,982 sqft Living Area
Gross Area	3,430 sqft
1st Floor Area	1,052 sqft
Basement Area	1,028 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	6,704 sqft (0.154 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T170500030
Street Address	3473 HARBOR CROSSING DR
City	SAINT CHARLES
State	MO
Zip	63301-4896
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE CROSSING #4 LOT 87
Legal Subdivision	CHARLESTOWNE CROSSING #4
Legal Lot Number	87
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2001
Census Tract	310201

Owner

Source: St. Charles County records, as of October 2, 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	3473 HARBOR CROSSING DR, SAINT CHARLES, MO 63301-4896
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Dec 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage TOGETHER CU
Aug 24, 2020	Deed of Trust, Mortgage TOGETHER CU
Aug 7, 2018	Warranty Deed, Transfer ANHEUSER-BUSCH EMP' CU & ITS D
Oct 3, 2017	Grant Deed, Transfer · FHA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2018 · Amount on Record
Deed Sale	Aug 7, 2018 · Amount on Record
Prior Sale	Oct 3, 2017 · Amount on Record
Deed Document Number	2018448180
Deed Book / Page	6959 / 864
Last Transfer Date	Sep 17, 2026
Transfer Doc	0000045291
Record Updated	Oct 29, 2026

September 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 23, 2026
Property Address	3473 HARBOR CROSSING DR, SAINT CHARLES, MO 63301-4896
Document Number	0000045291
Instrument Date	Sep 17, 2026
Instrument	202645291
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3473 HARBOR CROSSING DR, SAINT CHARLES, MO 63301-4896

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3473 HARBOR CROSSING DR, SAINT CHARLES, MO 63301-4896
Transaction Type	Mortgage
Record Updated	Dec 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3473 HARBOR CROSSING DR, SAINT CHARLES, MO 63301-4896

Mortgage

Document Number	0000065932
Date	Dec 15, 2022
Instrument	2022R-065932

Lender

Name	TOGETHER CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	302 Months
Due	Jan 31, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3473 HARBOR CROSSING DR, SAINT CHARLES, MO 63301-4896
Document Number	0000063540
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3473 HARBOR CROSSING DR ST CHARLES MO 633014896, ST CHARLES, MO 63301-4896

Mortgage

Document Number	0000063540
Date	Sep 1, 2020
Instrument	63540

Lender

Name	TOGETHER CU
Address	KANSAS CITY, MO 64131

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 7, 2018
Property Address	3473 HARBOR CROSSING DR, SAINT CHARLES, MO 63301-4896
Document Number	0069590864
Book / Page	006959 / 000864
Instrument Date	Jul 26, 2018
Instrument	448180
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	Husband and Wife
Address	3473 HARBOR CROSSING DR ST CHARLES MO 633014896, ST CHARLES, MO 63301-4896

Mortgage

Document Number	69590866
Date	Aug 7, 2018
Book Page	006959/000866
Instrument	448190

Lender

Name	ANHEUSER-BUSCH EMP' CU & ITS D
Address	1001 LYNCH ST, ST LOUIS, MO 63118-1818

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.21%

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 3, 2017
Property Address	3473 HARBOR CROSSING DR, SAINT CHARLES, MO 63301-4896
Document Number	0068171047
Book / Page	006817 / 001047
Instrument Date	Sep 29, 2017
Instrument	621770
Transaction Type	Transfer
Record Updated	Nov 6, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

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
Address	3473 HARBOR CROSSING DR ST CHARLES MO 633014896, ST CHARLES, MO 63301-4896

Mortgage

Document Number	68171049
Date	Oct 3, 2017
Book Page	006817/001049
Instrument	621780

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2047

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		$66,334 (-)	$349,124 (-) Land $73,999 Building $275,125
2025	$5,671.00	$66,334 (+6.53%)	$349,124 (+6.53%) Land $73,999 Building $275,125
2023		$62,265
2022			$327,711 Land $66,666 Building $261,045

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
Flood Insurance Cost	Premium on Record median of 81 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	81 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Sep 2021 · other causes

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	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.

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 438 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	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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