St. Charles County property record for 3520 Broad St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,112 sqft · built 2019 |
| Lot Size | 0.096 acres (4,182 sqft) |
| Owner | Individual Name on File |
| Deeds & Mortgages | Jan 2023 Sale May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T180500229 |
| Primary APN | T180500229 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,112 sqft Living Area |
| Basement Area | 1,224 sqft |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Siding |
| Lot Area | 4,182 sqft (0.096 acres) |
| Sewer | Connected |
|---|
| Account Number | T180500229 |
|---|---|
| Street Address | 3520 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 8474 |
| Legal Range | 05E |
| Legal Township | 47N |
| Legal Subdivision | NEW TOWN AT ST CHAS #10-F |
| Legal Lot Number | 8474 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 310201 |
3520 Broad St is owned and occupied by an individual who acquired it in January 2023.
Source: St. Charles County records, as of October 19, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3520 BROAD ST, SAINT CHARLES, MO 63301-8499 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 31, 2023 | Beneficiary Deed, Transfer |
| May 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JLB CORP |
| May 20, 2019 | Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 20, 2019 |
| Deed Sale | May 20, 2019 |
| Deed Document Number | 0070762089 |
| Deed Book / Page | 7076 / 2089 |
| Last Transfer Date | Jan 31, 2023 |
| Transfer Doc | 0000003656 |
| Record Updated | Jun 7, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 31, 2023 |
| Property Address | 3520 BROAD ST, SAINT CHARLES, MO 63301-8499 |
| Document Number | 0000003656 |
| Map Reference | MB 49 PG 227 |
| Instrument Date | Jan 24, 2023 |
| Instrument | 2023R-003656 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3520 BROAD ST, SAINT CHARLES, MO 63301-8499 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3520 BROAD ST, SAINT CHARLES, MO 63301-8499 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3520 BROAD ST, SAINT CHARLES, MO 63301-8499 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021R044067 |
|---|---|
| Date | May 20, 2021 |
| Instrument | 2021R-044067 |
| Name | JLB CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 157 Months |
| Due | Jun 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 20, 2019 |
| Property Address | 3520 BROAD ST, SAINT CHARLES, MO 63301-8499 |
| Document Number | 0070762089 |
| Book / Page | 7076 / 2089 |
| Map Reference | MB 49 PG 227 |
| Instrument Date | May 17, 2019 |
| Instrument | 20190520000241520 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | DEPENDABLE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16091 SWINGLEY RIDGE RD # RD300, 16091, CHESTERFIELD, MO 63017-2005 |
| Name | Verified Name |
|---|---|
| Address | 3520 BROAD ST, SAINT CHARLES, MO 63301-8499 |
| Document Number | 20190520000241530 |
|---|---|
| Date | May 20, 2019 |
| Instrument | 20190520000241530 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2034 |
Source: St. Charles County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $72,605 | |
| 2022 | $382,131 Land $36,000 Building $346,131 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3520 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 3520 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 |
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