3536 Tarn St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3536 Tarn St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,760 sqft · built 2006
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Mar 2022)
Deeds & Mortgages	Apr 2022 Line of Credit Mar 2023 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`T070500668`

Property Details

APN / Parcel Number

Primary APN	`T070500668`
Alternative APN	`5-116B-A101-00-2082.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,760 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	880 sqft
Basement Area	880 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	154 sqft
Deck Area	Deck Area
Patio Area	154 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500668
Street Address	3536 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 2082
Legal Subdivision	NEW TOWN AT ST CHAS #2
Legal Lot Number	2082
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	4
Census Block	4025
Census Tract	310201

Owner

3536 Tarn St is owned and occupied by two individuals who acquired it in September 2025.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3536 TARN ST, SAINT CHARLES, MO 63301-8165
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Mar 30, 2023	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Oct 1, 2025	Intrafamily Transfer, Transfer
Mar 4, 2022	Warranty Deed, Transfer INVESTORS TITLE COMPANY
Nov 25, 2020	Deed of Trust, Mortgage FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2022 · Amount on File
Deed Sale	Mar 4, 2022 · Amount on File
Prior Sale	Jul 6, 2018 · Amount on File
Deed Document Number	202212856
Last Transfer Date	Sep 30, 2025
Transfer Doc	0000043417
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3536 TARN ST, SAINT CHARLES, MO 63301-8165
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3536 TARN ST, SAINT CHARLES, MO 63301-8165

Mortgage

Document Number	0000023556
Date	Apr 25, 2022
Instrument	2022R-023556

Lender

Name	FIRST BANK
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3536 TARN ST, SAINT CHARLES, MO 63301-8165
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3536 TARN ST, SAINT CHARLES, MO 63301-8165

Mortgage

Document Number	0000011794
Date	Mar 30, 2023
Instrument	2023R-011794

Lender

Name	FIRST BANK
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Oct 1, 2025
Property Address	3536 TARN ST, SAINT CHARLES, MO 63301-8165
Document Number	0000043417
Map Reference	MB 43 PG 203
Instrument Date	Sep 30, 2025
Instrument	2025R-043417
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3536 TARN ST, SAINT CHARLES, MO 63301-8165

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3536 TARN ST, SAINT CHARLES, MO 63301-8165

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 4, 2022
Property Address	3536 TARN ST, SAINT CHARLES, MO 63301-8165
Document Number	0000012856
Map Reference	MB 43 PG 203
Instrument Date	Feb 28, 2022
Instrument	2022R-012856
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	757 WOOD VALLEY TRL, SAINT CHARLES, MO 63304-7488

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3526 TARN ST, SAINT CHARLES, MO 63301-8165

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3536 TARN ST, SAINT CHARLES, MO 63301-8165
Document Number	0000094928
Instrument Date	Nov 25, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3536 TARN ST ST CHARLES MO 633018165, ST CHARLES, MO 63301-8165

Mortgage

Document Number	0000094928
Date	Dec 4, 2020
Instrument	94928

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

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	Assessed Value	Assessed Market Value
2026	$66,934 (-)	$352,283 (-) Land $80,000 Building $272,283
2025	$66,934	$352,283 Land $80,000 Building $272,283
2023	$61,732
2022		$324,903 Land $60,000 Building $264,903

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

FEMA maps place 3536 Tarn St in Zone X, an area of moderate flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3536 Tarn St is low, with less than a 0.01% annual chance of 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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