3552 Tarn St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3552 Tarn St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,715 sqft · built 2007
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$620,000 (Mar 2024)
Tax Bill	$7,013 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2024 Mortgage + 7 more
Flood Zone	Zone X (moderate risk)
APN	`T070500664`

Property Details

APN / Parcel Number

Primary APN	`T070500664`
Alternative APN	`5-116B-A101-00-2078.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,715 sqft Living Area
Gross Area	5,060 sqft
1st Floor Area	1,548 sqft
Basement Area	1,548 sqft
Finished Basement	875 sqft
Unfinished Basement	673 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Siding
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	200 sqft
Deck Area	Deck Area
Patio Area	424 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070500664
Street Address	3552 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 2078
Legal Subdivision	NEW TOWN AT ST CHAS #2
Legal Lot Number	2078
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	4
Census Block	4025
Census Tract	310201

Owner

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

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	3552 TARN ST, SAINT CHARLES, MO 63301-8165
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 28, 2024	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 16, 2024	Deed of Trust, Mortgage · Line of Credit FARMERS AND MERCHANTS BANK OF ST CLAIR
Mar 15, 2022	Deed of Trust, Mortgage · Line of Credit FARMERS AND MERCHANTS BANK OF ST CLAIR
Nov 5, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 12, 2020	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BK/ST CLAI
Apr 10, 2020	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC
Sep 11, 2017	Deed of Trust, Mortgage 1ST MIDAMERICA CU
Jun 2, 2017	Warranty Deed, Transfer · Line of Credit 1ST MIDAMERICA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2024 · Amount on Record
Deed Sale	Mar 28, 2024 · Amount on Record
Prior Sale	Apr 10, 2020 · Amount on Record
Deed Document Number	202411491
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165

Mortgage

Document Number	0000052684
Date	Nov 21, 2025
Instrument	2025R-052684

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 28, 2024
Property Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165
Document Number	0000011491
Map Reference	MB 43 PG 203
Instrument Date	Mar 26, 2024
Instrument	2024R-011491
Transaction Type	Transfer
Record Updated	Apr 12, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7716 CALLIE CT, DARDENNE PRAIRIE, MO 63368-6792

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165

Mortgage

Document Number	0000011492
Date	Mar 28, 2024
Instrument	2024R-011492

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165
Transaction Type	Mortgage
Record Updated	Feb 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165

Mortgage

Document Number	0000006234
Date	Feb 16, 2024
Instrument	2024R-006234

Lender

Name	FARMERS AND MERCHANTS BANK OF ST CLAIR
Type	Bank
Address	SAINT CLAIR, MO 63077

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 15, 2034

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165
Transaction Type	Mortgage
Record Updated	Mar 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165

Mortgage

Document Number	0000014926
Date	Mar 15, 2022
Instrument	2022R-014926

Lender

Name	FARMERS AND MERCHANTS BANK OF ST CLAIR
Type	Bank
Address	SAINT CLAIR, MO 63077

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 4, 2032

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165
Transaction Type	Mortgage
Record Updated	Nov 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165

Mortgage

Document Number	2021R091420
Date	Nov 5, 2021
Instrument	2021R-091420

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	May 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165
Document Number	0000075092
Instrument Date	Sep 12, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3552 TARN ST ST CHARLES MO 633018165, ST CHARLES, MO 63301-8165

Mortgage

Document Number	0000075092
Date	Oct 6, 2020
Instrument	75092

Lender

Name	FARMERS & MERCHANTS BK/ST CLAI
Type	Bank
Address	SAINT CLAIR, MO 63077

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 5, 2030

Interest

Rate Type	Adjustable Rate

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 10, 2020
Property Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165
Document Number	0072670958
Book / Page	7267 / 958
Map Reference	MB 43 PG 203
Instrument Date	Apr 7, 2020
Instrument	20200410000222600
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CHESTERFIELD TITLE AGCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165

Mortgage

Document Number	20200410000222610
Date	Apr 10, 2020
Instrument	20200410000222610

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165
Document Number	0068062427
Book / Page	006806 / 002427
Instrument Date	Sep 11, 2017
Transaction Type	Mortgage
Record Updated	Sep 20, 2017
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3552 TARN ST ST CHARLES MO 633018165, ST CHARLES, MO 63301-8165

Mortgage

Document Number	0068062427
Date	Sep 14, 2017
Book Page	006806/002427
Instrument	577620

Lender

Name	1ST MIDAMERICA CU
Type	Credit Union
Address	BETHALTO, IL 62010

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2047

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 2, 2017
Property Address	3552 TARN ST, SAINT CHARLES, MO 63301-8165
Document Number	0067530845
Book / Page	006753 / 000845
Instrument Date	May 25, 2017
Instrument	338040
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3552 TARN ST ST CHARLES MO 633018165, ST CHARLES, MO 63301-8165

Mortgage

Document Number	67530847
Date	Jun 2, 2017
Book Page	006753/000847
Instrument	338050

Lender

Name	1ST MIDAMERICA CU
Type	Credit Union
Address	BETHALTO, IL 62010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 1, 2018

Interest

Rate Type	Adjustable Rate

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$107,754 (-)	$567,127 (-) Land $96,000 Building $471,127
2025	$7,013.00	$107,754 (+12.67%)	$567,127 (+12.67%) Land $96,000 Building $471,127
2023		$95,638
2022			$503,357 Land $72,000 Building $431,357

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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