3479 Hempstead St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3479 Hempstead St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,520 sqft · built 2006
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Apr 2025)
Tax Bill	$4,025 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T070500654`

Property Details

APN / Parcel Number

Primary APN	`T070500654`
Alternative APN	`5-116B-A101-00-2068.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,520 sqft Living Area
Gross Area	2,280 sqft
1st Floor Area	760 sqft
Basement Area	760 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	240 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500654
Street Address	3479 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 2068
Legal Subdivision	NEW TOWN AT ST CHAS #2
Legal Lot Number	2068
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 September 10, 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	3479 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8234
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 13, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jul 13, 2022	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2025 · Amount on Record
Deed Sale	Apr 25, 2025 · Amount on Record
Prior Sale	Jul 13, 2022 · Amount on Record
Deed Document Number	202516809
Prior Transfer Date	Oct 7, 2013
Prior Transfer Doc	0000800400
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3479 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8234
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3479 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8234

Mortgage

Document Number	0000013377
Date	Mar 24, 2026
Instrument	2026R-013377

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.75%
Index	SOFR Average 30-Day
Max Rate	9.75%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 13, 2022
Property Address	3479 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8234
Document Number	0000038836
Map Reference	MB 43 PG 203
Instrument Date	Jul 8, 2022
Instrument	2022R-038836
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3479 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8234

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3479 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8234

Mortgage

Document Number	0000038837
Date	Jul 13, 2022
Instrument	2022R-038837

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

July 2022: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 13, 2022
Property Address	3479 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8234
Document Number	0000038835
Map Reference	MB 43 PG 203
Instrument Date	Jul 8, 2022
Instrument	2022R-038835
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4029 DOWNING ST, ANNANDALE, VA 22003-2015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3479 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8234

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		$61,627 (-)	$324,350 (-) Land $80,000 Building $244,350
2025	$4,025.00 (+6.45%)	$61,627 (+9.47%)	$324,350 (+9.46%) Land $80,000 Building $244,350
2024	$3,781.00
2023		$56,298
2022			$296,307 Land $60,000 Building $236,307

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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