3517 Barter St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3517 Barter St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,392 sqft · built 2013
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Oct 2019)
Tax Bill	$3,734 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T070500631`

Property Details

APN / Parcel Number

Primary APN	`T070500631`
Alternative APN	`5-116B-A101-00-2045.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,392 sqft Living Area
Basement Area	576 sqft

Exterior

Year Built	Built 2013
Architectural Style	Ranch
Exterior Material	Siding
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T070500631
Old Parcel Number	T070500631
Street Address	3517 BARTER ST
City	SAINT CHARLES
State	MO
Zip	63301-8157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS #2 LOT 2045
Legal Range	05E
Legal Township	47N
Legal Subdivision	NEW TOWN AT ST CHAS #2
Legal Lot Number	2045
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	4
Census Block	4026
Census Tract	310201

Owner

Source: St. Charles County records, as of March 16, 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	3517 BARTER ST, SAINT CHARLES, MO 63301-8157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 14, 2017	Warranty Deed, Transfer STIFEL BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2019 · Amount on Record
Deed Sale	Oct 24, 2019 · Amount on Record
Prior Sale	Dec 14, 2017 · Amount on Record
Deed Document Number	0007169349
Deed Book / Page	7169 / 349
Record Updated	Jun 8, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 24, 2019
Property Address	3517 BARTER ST, SAINT CHARLES, MO 63301-8157
Document Number	0071690349
Book / Page	7169 / 0349
Map Reference	MB 43 PG 203
Instrument Date	Oct 11, 2019
Instrument	20191024000601810
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1607 SUNDOWNER DR, 1607, SAINT CHARLES, MO 63303-5045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3517 BARTER ST, SAINT CHARLES, MO 63301-8157

Mortgage

Document Number	20191024000601820
Date	Oct 24, 2019
Instrument	20191024000601820

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 14, 2017
Property Address	3517 BARTER ST, SAINT CHARLES, MO 63301-8157
Document Number	0068522075
Book / Page	006852 / 002075
Instrument Date	Dec 12, 2017
Instrument	771790
Transaction Type	Transfer
Record Updated	Jan 22, 2018
Title Company	SECURITY TITLE COMPANY

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	1607 SUNDOWNER DR ST PETERS MO 633035045, ST PETERS, MO 63303-5045

Mortgage

Document Number	68522077
Date	Dec 14, 2017
Book Page	006852/002077
Instrument	771800

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 13, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$3,734.00	$57,137 (+6.07%)	$300,723 (+6.07%) Land $80,000 Building $220,723
2023		$53,866
2022			$283,504 Land $60,000 Building $223,504

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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