St. Charles County property record for 3590 Arpent St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,334 sqft · built 2004 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $307,000 (Apr 2019) |
| Tax Bill | $4,405 (2025) |
| Deeds & Mortgages | Sep 2025 Sale Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T060500142 |
| Primary APN | T060500142 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,334 sqft Living Area |
| Gross Area | 2,606 sqft |
| 1st Floor Area | 1,520 sqft |
| Basement Area | 1,086 sqft |
| Finished Basement | 814 sqft |
| Unfinished Basement | 272 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Multi-Level |
| Exterior Material | Siding |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 304 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T060500142 |
|---|---|
| Street Address | 3590 ARPENT ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8080 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS #1 LOT 535 |
| Legal Subdivision | NEW TOWN AT ST CHAS #1 |
| Legal Lot Number | 535 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 310201 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3590 ARPENT ST, SAINT CHARLES, MO 63301-8080 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 12, 2025 | Beneficiary Deed, Transfer |
| Mar 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP |
| Apr 2, 2019 | Warranty Deed, Transfer · Conventional Mortgage FCB BANKS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2019 · Amount on Record |
| Deed Sale | Apr 2, 2019 · Amount on Record |
| Prior Sale | Apr 19, 2012 · Amount on Record |
| Deed Document Number | 2019146210 |
| Deed Book / Page | 7054 / 288 |
| Prior Transfer Date | Aug 15, 2007 |
| Prior Transfer Doc | 0056911939 |
| Record Updated | Oct 29, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 12, 2025 |
| Property Address | 3590 ARPENT ST, SAINT CHARLES, MO 63301-8080 |
| Document Number | 0000040193 |
| Map Reference | MB 42 PG 14-22 |
| Instrument Date | Mar 17, 2025 |
| Instrument | 2025R-040193 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3590 ARPENT ST, SAINT CHARLES, MO 63301-8080 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 3590 ARPENT ST, SAINT CHARLES, MO 63301-8080 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3590 ARPENT ST, SAINT CHARLES, MO 63301-8080 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2021 |
| Title Company | FREEDOM TITLE |
| Name | Verified Name |
|---|
| Document Number | 2021R024968 |
|---|---|
| Date | Mar 22, 2021 |
| Instrument | 2021R-024968 |
| Name | AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 2, 2019 |
| Property Address | 3590 ARPENT ST, SAINT CHARLES, MO 63301-8080 |
| Document Number | 0070540288 |
| Book / Page | 7054 / 0288 |
| Map Reference | MB 42 PG 14-22 |
| Instrument Date | Mar 29, 2019 |
| Instrument | 20190402000146210 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 655 HAWK RUN DR, 655, O FALLON, MO 63368-8187 |
| Name | Verified Name |
|---|---|
| Address | 3590 ARPENT ST, SAINT CHARLES, MO 63301-8080 |
| Document Number | 20190402000146220 |
|---|---|
| Date | Apr 2, 2019 |
| Instrument | 20190402000146220 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2049 |
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 | $67,496 (-) | $355,244 (-) Land $93,336 Building $261,908 | |
| 2025 | $4,405.00 (+6.25%) | $67,496 (+9.28%) | $355,244 (+9.28%) Land $93,336 Building $261,908 |
| 2024 | $4,146.00 | ||
| 2023 | $61,765 | ||
| 2022 | $325,080 Land $70,002 Building $255,078 |
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.
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 31 policies |
| 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 · Severe Storms 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.
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 | None beyond ember reach |
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 631 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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