3520 Tarn St, Saint Charles, MO 63301 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,864 sqft · built 2006
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$362,000 (Aug 2019)
Tax Bill	$7,144 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Jan 2021 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`T070500644`

Property Details

APN / Parcel Number

Primary APN	`T070500644`
Alternative APN	`5-116B-A101-00-2058.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,864 sqft Living Area
Gross Area	5,036 sqft
1st Floor Area	1,572 sqft
Basement Area	1,572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	200 sqft
Deck Area	Deck Area
Patio Area	300 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500644
Street Address	3520 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 2058
Legal Subdivision	NEW TOWN AT ST CHAS #2
Legal Lot Number	2058
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	4
Census Block	4024
Census Tract	310201

Owner

Source: St. Charles County records, as of August 13, 2025

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	3520 TARN ST, SAINT CHARLES, MO 63301-8165
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jan 11, 2021	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/ST LOUIS
Jan 11, 2021	Deed of Trust, Mortgage CENTRAL BK/ST LOUIS
Aug 9, 2019	Quit Claim Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2019 · Amount on Record
Deed Sale	Aug 9, 2019 · Amount on Record
Prior Sale	Jul 1, 2016 · Amount on Record
Deed Document Number	2019419540
Deed Book / Page	7121 / 882
Last Transfer Date	Jun 18, 2025
Transfer Doc	0000026056
Record Updated	Sep 20, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3520 TARN ST, SAINT CHARLES, MO 63301-8165
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069321896
Date	Jun 12, 2018
Book Page	6932/1896
Instrument	20180612000327010

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3520 TARN ST, SAINT CHARLES, MO 63301-8165
Document Number	0000004808
Instrument Date	Jan 11, 2021
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 TARN ST ST CHARLES MO 633018165, ST CHARLES, MO 63301-8165

Mortgage

Document Number	0000004808
Date	Jan 19, 2021
Instrument	4808

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 18, 2041

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3520 TARN ST, SAINT CHARLES, MO 63301-8165
Document Number	0000004807
Instrument Date	Jan 11, 2021
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 TARN ST ST CHARLES MO 633018165, ST CHARLES, MO 63301-8165

Mortgage

Document Number	0000004807
Date	Jan 19, 2021
Instrument	4807

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2051

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 9, 2019
Property Address	3520 TARN ST, SAINT CHARLES, MO 63301-8165
Document Number	0071210882
Book / Page	007121 / 000882
Instrument Date	Jul 29, 2019
Instrument	419540
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 TARN ST ST CHARLES MO 633018165, ST CHARLES, MO 63301-8165

Mortgage

Document Number	71210886
Date	Aug 9, 2019
Book Page	007121/000886
Instrument	419550

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 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	$7,144.00 (+10.14%)	$109,768 (+13.27%)	$577,726 (+13.27%) Land $112,000 Building $465,726
2024	$6,486.00
2023		$96,906
2022			$510,031 Land $84,000 Building $426,031

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	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.

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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