3520 Barter St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3520 Barter St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,488 sqft · built 2013
Lot Size	0.069 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Aug 2020)
Tax Bill	$3,891 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jul 2019 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`T070500625`

Property Details

APN / Parcel Number

Primary APN	`T070500625`
Alternative APN	`5-116B-A101-00-2039.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,488 sqft Living Area
Basement Area	960 sqft

Exterior

Year Built	Built 2013
Exterior Material	Siding
Lot Area	3,049 sqft (0.069 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T070500625
Old Parcel Number	T070500625
Street Address	3520 BARTER ST
City	SAINT CHARLES
State	MO
Zip	63301-8154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS #2 LOT 2039
Legal Range	05E
Legal Township	47N
Legal Subdivision	NEW TOWN AT ST CHAS #2
Legal Lot Number	2039
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	4
Census Block	4002
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
Co-owner	Co-owner on Record
Mailing Address	3520 BARTER ST, SAINT CHARLES, MO 63301-8154
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · Line of Credit ALLTRU FCU
Jul 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
Aug 11, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 3, 2018	Warranty Deed, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
May 23, 2017	Warranty Deed, Transfer PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2020 · Amount on Record
Deed Sale	Aug 11, 2020 · Amount on Record
Prior Sale	Dec 3, 2018 · Amount on Record
Deed Document Number	0073682342
Deed Book / Page	7368 / 2342
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3520 BARTER ST, SAINT CHARLES, MO 63301-8154
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 BARTER ST, SAINT CHARLES, MO 63301-8154

Mortgage

Document Number	0000009740
Date	Mar 3, 2026
Instrument	2026R-009740

Lender

Name	ALLTRU FCU
Type	Credit Union
Address	WENTZVILLE, MO 63385

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 2, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3520 BARTER ST, SAINT CHARLES, MO 63301-8154
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071060045
Date	Jul 16, 2019
Book Page	7106/0045
Instrument	20190716000361200

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

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

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 11, 2020
Property Address	3520 BARTER ST, SAINT CHARLES, MO 63301-8154
Document Number	0073682342
Book / Page	7368 / 2342
Map Reference	MB 43 PG 203
Instrument Date	Aug 7, 2020
Instrument	20200811000574750
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3022 PADDLEWHEEL CT, 3022, SAINT CHARLES, MO 63303-6052

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3520 BARTER ST, SAINT CHARLES, MO 63301-8154
Investor	Possibly a Property Investor

Mortgage

Document Number	20200811000574760
Date	Aug 11, 2020
Instrument	20200811000574760

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 3, 2018
Property Address	3520 BARTER ST, SAINT CHARLES, MO 63301-8154
Document Number	0070091654
Book / Page	7009 / 1654
Map Reference	MB 43 PG 203
Instrument Date	Nov 29, 2018
Instrument	20181203000675000
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	850 TYSON DR, 850, FLORISSANT, MO 63031-4020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 BARTER ST, SAINT CHARLES, MO 63301-8154

Mortgage

Document Number	20181203000675010
Date	Dec 3, 2018
Instrument	20181203000675010

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 23, 2017
Property Address	3520 BARTER ST, SAINT CHARLES, MO 63301-8154
Document Number	0067471807
Book / Page	006747 / 001807
Instrument Date	May 18, 2017
Instrument	315460
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	TITLE PARTNERS AGENCY 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	3520 BARTER ST ST CHARLES MO 633018154, ST CHARLES, MO 63301-8154

Mortgage

Document Number	67471809
Date	May 23, 2017
Book Page	006747/001809
Instrument	315470

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 22, 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	$3,891.00	$59,558 (+5.28%)	$313,462 (+5.28%) Land $80,000 Building $233,462
2023		$56,572
2022			$297,746 Land $60,000 Building $237,746

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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