St. Charles County property record for 3516 Broad St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,112 sqft · built 2019 |
| Lot Size | 0.096 acres (4,182 sqft) |
| Owner | Individual Name on File |
| Last Sale | $463,000 (Sep 2025) |
| Tax Bill | $5,414 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Oct 2023 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | T180500228 |
| Primary APN | T180500228 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,112 sqft Living Area |
| Gross Area | 3,336 sqft |
| 1st Floor Area | 1,224 sqft |
| Basement Area | 1,224 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Lot Area | 4,182 sqft (0.096 acres) |
| Parking Spaces | 3 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T180500228 |
|---|---|
| Street Address | 3516 BROAD ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8499 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS #10-F LOT 8473 |
| Legal Subdivision | NEW TOWN AT ST CHAS #10-F |
| Legal Lot Number | 8473 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 310201 |
3516 Broad St is owned and occupied by an individual who bought it in September 2025.
Source: St. Charles County records, as of September 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3516 BROAD ST, SAINT CHARLES, MO 63301-8499 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Mar 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK |
| Oct 30, 2023 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2025 · Amount on File |
| Deed Sale | Sep 4, 2025 · Amount on File |
| Prior Sale | Oct 30, 2023 · Amount on File |
| Deed Document Number | 202538857 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3516 BROAD ST, SAINT CHARLES, MO 63301-8499 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3516 BROAD ST, SAINT CHARLES, MO 63301-8499 |
| Document Number | 0000013717 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 2026R-013717 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 30, 2023 |
| Property Address | 3516 BROAD ST, SAINT CHARLES, MO 63301-8499 |
| Document Number | 0000044687 |
| Map Reference | MB 49 PG 227 |
| Instrument Date | Oct 26, 2023 |
| Instrument | 2023R-044687 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3516 BROAD ST, SAINT CHARLES, MO 63301-8499 |
| Name | Verified Name |
|---|---|
| Address | 3516 BROAD ST, SAINT CHARLES, MO 63301-8499 |
| Document Number | 0000044688 |
|---|---|
| Date | Oct 30, 2023 |
| Instrument | 2023R-044688 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
The 2025 property tax bill for 3516 Broad St was $5,414, up 1.3% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $75,461 (-) | $397,164 (-) Land $48,000 Building $349,164 | |
| 2025 | $5,414.00 (+1.29%) | $75,461 | $397,164 Land $48,000 Building $349,164 |
| 2024 | $5,345.00 | ||
| 2023 | $72,379 | ||
| 2022 | $380,943 Land $36,000 Building $344,943 |
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.
FEMA maps place 3516 Broad St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 31 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 3 (2013–2022) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2022 · Severe Storms 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.
The area around 3516 Broad St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 657 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 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures