St. Charles County property record for 3584 Barter St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,224 sqft · built 2006 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (Dec 2024) |
| Tax Bill | $3,246 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jun 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T070500609 |
| Primary APN | T070500609 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,224 sqft Living Area |
| Gross Area | 1,836 sqft |
| 1st Floor Area | 612 sqft |
| Basement Area | 612 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 2,178 sqft (0.05 acres) |
| Garage Type | Detached |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 100 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T070500609 |
|---|---|
| Street Address | 3584 BARTER ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS #2 LOT 2023 |
| Legal Subdivision | NEW TOWN AT ST CHAS #2 |
| Legal Lot Number | 2023 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 310201 |
3584 Barter St is owned and occupied by an individual who bought it in December 2024.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3584 BARTER ST, SAINT CHARLES, MO 63301-8155 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| Feb 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Jun 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 27, 2024 · Amount on File |
| Deed Sale | Dec 27, 2024 · Amount on File |
| Prior Sale | Jun 12, 2019 · Amount on File |
| Deed Document Number | 202454269 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3584 BARTER ST, SAINT CHARLES, MO 63301-8155 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3584 BARTER ST, SAINT CHARLES, MO 63301-8155 |
| Investor | Possibly a Property Investor |
| Document Number | 0000006974 |
|---|---|
| Date | Feb 17, 2026 |
| Instrument | 2026R-006974 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 12, 2019 |
| Property Address | 3584 BARTER ST, SAINT CHARLES, MO 63301-8155 |
| Document Number | 0070880981 |
| Book / Page | 7088 / 0981 |
| Map Reference | MB 43 PG 203 |
| Instrument Date | Jun 10, 2019 |
| Instrument | 20190612000288180 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CONTINENTAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3529 TARN ST, 3529, SAINT CHARLES, MO 63301-8366 |
| Name | Verified Name |
|---|---|
| Address | 3584 BARTER ST, SAINT CHARLES, MO 63301-8155 |
| Document Number | 20190612000028820 |
|---|---|
| Date | Jun 12, 2019 |
| Instrument | 20190612000028820 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
The 2025 property tax bill for 3584 Barter St was $3,246.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $49,610 (-) | $261,105 (-) Land $45,000 Building $216,105 | |
| 2025 | $3,246.00 | $49,610 | $261,105 Land $45,000 Building $216,105 |
| 2023 | $44,989 | ||
| 2022 | $236,784 Land $45,000 Building $191,784 |
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.
FEMA maps place 3584 Barter St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
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 minimal risk |
|---|---|
| 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 risk around 3584 Barter 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.
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 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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