St. Charles County property record for 3604 Thyme Dr, Saint Charles, MO 63303 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,976 sqft · built 1978 |
| Lot Size | 0.201 acres (8,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,000 (Apr 2020) |
| Tax Bill | $3,032 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Nov 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 497195A000 |
| Primary APN | 497195A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,976 sqft Living Area |
| Gross Area | 2,968 sqft |
| 1st Floor Area | 1,272 sqft |
| Basement Area | 1,176 sqft |
| Finished Basement | 704 sqft |
| Unfinished Basement | 472 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Bi-Level |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,750 sqft (0.201 acres) |
| Lot Dimensions | 125 ft deep x 70 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 96 sqft |
| Patio Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 497195A000 |
|---|---|
| Street Address | 3604 THYME DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CINNAMON HILLS #1 LOT 28 |
| Legal Subdivision | CINNAMON HILLS #1 |
| Legal Lot Number | 28 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 311147 |
Source: St. Charles County records · APN 497195A000
Assessment roll updated August 13, 2025 · Last verified April 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 | 3604 THYME DR, SAINT CHARLES, MO 63303-6331 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Nov 07, 2023 | Deed of Trust, Mortgage · FHA Mortgage FLAT BRANCH HOME LOANS INC |
| Apr 06, 2020 | Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 06, 2020 · Amount on Record |
| Deed Sale | Apr 06, 2020 · Amount on Record |
| Prior Sale | Oct 08, 2009 · Amount on Record |
| Deed Document Number | 2020211820 |
| Deed Book / Page | 7264 / 461 |
| Prior Transfer Date | Mar 15, 2005 |
| Prior Transfer Doc | 0041331193 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3604 THYME DR, SAINT CHARLES, MO 63303-6331 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2026 |
| Title Company | FOUNDERS TITLE COMPANY, FOUNDERS TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 3604 THYME DR, SAINT CHARLES, MO 63303-6331 |
| Document Number | 0000007114 |
|---|---|
| Date | Feb 17, 2026 |
| Instrument | 2026R-007114 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3604 THYME DR, SAINT CHARLES, MO 63303-6331 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2023 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 3604 THYME DR, SAINT CHARLES, MO 63303-6331 |
| Document Number | 0000046039 |
|---|---|
| Date | Nov 07, 2023 |
| Instrument | 2023R-046039 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 06, 2020 |
| Property Address | 3604 THYME DR, SAINT CHARLES, MO 63303-6331 |
| Document Number | 0072640461 |
| Book / Page | 7264 / 461 |
| Map Reference | MB 15 PG 30&31 |
| Instrument Date | Mar 31, 2020 |
| Instrument | 20200406000211820 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3604 THYME DR, SAINT CHARLES, MO 63303-6331 |
| Document Number | 20200406000211830 |
|---|---|
| Date | Apr 06, 2020 |
| Instrument | 20200406000211830 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2050 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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 | $3,032.00 (-2.45%) | $50,403 (+0.52%) | $265,280 (+0.52%) Land $45,000 Building $220,280 |
| 2024 | $3,108.00 | ||
| 2023 | $50,141 | ||
| 2022 | $263,901 Land $45,000 Building $218,901 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 526 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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