3574 Arpent St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3574 Arpent St, Saint Charles, MO 63301 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,760 sqft · built 2005
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Oct 2020)
Tax Bill	$4,532 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T060500091`

Property Details

APN / Parcel Number

Primary APN	`T060500091`
Alternative APN	`5-116B-9772-00-0425.0000000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,760 sqft Living Area
1st Floor Area	880 sqft
Basement Area	880 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 2005
Architectural Style	Other
Exterior Material	Siding
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	304 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T060500091
Old Parcel Number	T060500091
Street Address	3574 ARPENT ST
City	SAINT CHARLES
State	MO
Zip	63301-8079
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS #1 LOT 425
Legal Range	05E
Legal Township	47N
Legal Subdivision	NEW TOWN AT ST CHAS #1
Legal Lot Number	425
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1009
Census Tract	310201

Owner

Source: St. Charles County records · APN T060500091

Assessment roll updated July 1, 2025 · Last verified March 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 File
Mailing Address	3574 ARPENT ST, SAINT CHARLES, MO 63301-8079
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 07, 2023	Deed of Trust, Mortgage · Line of Credit TOGETHER CU
Oct 15, 2020	Warranty Deed, Transfer GUILD MTG
May 14, 2019	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 15, 2020 · Amount on Record
Deed Sale	Oct 15, 2020 · Amount on Record
Prior Sale	Feb 28, 2006 · Amount on Record
Deed Document Number	0202078110
Deed Book / Page	2020 / 78110
Record Updated	Jun 08, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3574 ARPENT ST, SAINT CHARLES, MO 63301-8079
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3574 ARPENT ST, SAINT CHARLES, MO 63301-8079

Mortgage

Document Number	0000004687
Date	Feb 07, 2023
Instrument	2023R-004687

Lender

Name	TOGETHER CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Mar 31, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 15, 2020
Property Address	3574 ARPENT ST, SAINT CHARLES, MO 63301-8079
Document Number	0000078110
Instrument Date	Oct 13, 2020
Instrument	78110
Transaction Type	Transfer
Record Updated	Jan 29, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Husband and Wife
Address	3574 ARPENT ST ST CHARLES MO 633018079, ST CHARLES, MO 63301-8079

Mortgage

Document Number	78111
Date	Oct 15, 2020
Instrument	78111

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 14, 2019
Property Address	3574 ARPENT ST, SAINT CHARLES, MO 63301-8079
Document Number	0070731272
Book / Page	7073 / 1272
Map Reference	MB 42 PG 14
Instrument Date	May 08, 2019
Instrument	20190514000227790
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	1705 BEULAH PL, 1705, SAINT LOUIS, MO 63117-2430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3574 ARPENT ST, SAINT CHARLES, MO 63301-8079

Mortgage

Document Number	20190514000227800
Date	May 14, 2019
Instrument	20190514000227800

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,532.00	$69,459 (+7.99%)	$365,575 (+7.99%) Land $80,000 Building $285,575
2023		$64,318
2022			$338,516 Land $60,000 Building $278,516

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833102011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 31 individual NFIP policies nearby
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, other causes, Severe Storms And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 631 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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