St. Charles County property record for 3516 Tarn St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,560 sqft · built 2006 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $295,000 (Nov 2016) |
| Tax Bill | $5,113 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Oct 2021 Second Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T070500645 |
| Primary APN | T070500645 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| Gross Area | 3,520 sqft |
| 1st Floor Area | 1,560 sqft |
| Basement Area | 1,560 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Ranch |
| Exterior Material | Siding |
| Lot Area | 4,356 sqft (0.1 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 144 sqft |
| Patio Area | 120 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T070500645 |
|---|---|
| Street Address | 3516 TARN ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8165 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS #2 LOT 2059 |
| Legal Subdivision | NEW TOWN AT ST CHAS #2 |
| Legal Lot Number | 2059 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 310201 |
Source: St. Charles County records, as of September 14, 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 | 3516 TARN ST, SAINT CHARLES, MO 63301-8165 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2026 | Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION |
| Oct 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMBER 1ST CREDIT UNION |
| Feb 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2016 · Amount on Record |
| Deed Sale | Nov 2, 2016 · Amount on Record |
| Prior Sale | Aug 8, 2011 · Amount on Record |
| Deed Document Number | 201673881 |
| Deed Book / Page | 6643 / 2238 |
| Prior Transfer Date | Aug 1, 2011 |
| Prior Transfer Doc | 0056201947 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 2, 2026 |
| Property Address | 3516 TARN ST, SAINT CHARLES, MO 63301-8165 |
| Document Number | 0000042304 |
| Instrument Date | Aug 18, 2026 |
| Instrument | 202642304 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3516 TARN ST, SAINT CHARLES, MO 63301-8165 |
| Document Number | 0000042304, |
|---|---|
| Date | Sep 2, 2026 |
| Instrument | 202642304 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 1, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3516 TARN ST, SAINT CHARLES, MO 63301-8165 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021R084508 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 2021R-084508 |
| Name | MEMBER 1ST CREDIT UNION |
|---|---|
| Type | Non-Lending Institution |
| Address | SAINT LOUIS, MO 63128 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3516 TARN ST, SAINT CHARLES, MO 63301-8165 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3516 TARN ST, SAINT CHARLES, MO 63301-8165 |
| Document Number | 2021R010002 |
|---|---|
| Date | Feb 2, 2021 |
| Instrument | 2021R-010002 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 1, 2031 |
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 | $78,421 (-) | $412,744 (-) Land $112,000 Building $300,744 | |
| 2025 | $5,113.00 (+6.88%) | $78,421 (+9.91%) | $412,744 (+9.91%) Land $112,000 Building $300,744 |
| 2024 | $4,784.00 | ||
| 2023 | $71,349 | ||
| 2022 | $375,523 Land $84,000 Building $291,523 |
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.
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.
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.
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 631 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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