St. Charles County property record for 3605 Broad St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,992 sqft · built 2015 |
| Lot Size | 0.089 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (Sep 2018) |
| Tax Bill | $5,422 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Sep 2018 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | T100500041 |
| Primary APN | T100500041 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,992 sqft Living Area |
| Basement Area | 996 sqft |
| Finished Basement | 511 sqft |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Siding |
| Lot Area | 3,920 sqft (0.089 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T100500041 |
|---|---|
| Old Parcel Number | T100500041 |
| Street Address | 3605 BROAD ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS #10 LOT 8106 |
| Legal Range | 05E |
| Legal Township | 47N |
| Legal Subdivision | NEW TOWN AT ST CHAS #10 |
| Legal Lot Number | 8106 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 310201 |
3605 Broad St is owned and occupied by an individual who bought it in September 2018.
Source: St. Charles County records, as of March 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3605 BROAD ST, SAINT CHARLES, MO 63301-8059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Sep 11, 2018 | Warranty Deed, Transfer · Conventional Mortgage MICHIGAN MUTUAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2018 · Amount on File |
| Deed Sale | Sep 11, 2018 · Amount on File |
| Deed Document Number | 0006975395 |
| Deed Book / Page | 6975 / 395 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3605 BROAD ST, SAINT CHARLES, MO 63301-8059 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0067011592 |
|---|---|
| Date | Feb 21, 2017 |
| Book Page | 6701/1592 |
| Instrument | 20170221000106250 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 5, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 11, 2018 |
| Property Address | 3605 BROAD ST, SAINT CHARLES, MO 63301-8059 |
| Document Number | 0069750395 |
| Book / Page | 6975 / 0395 |
| Map Reference | MB 46 PG 19 |
| Instrument Date | Sep 6, 2018 |
| Instrument | 20180911000519660 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3605 BROAD ST, 3605, SAINT CHARLES, MO 63301-8059 |
| Name | Verified Name |
|---|---|
| Address | 3605 BROAD ST, SAINT CHARLES, MO 63301-8059 |
| Document Number | 20180911000519670 |
|---|---|
| Date | Sep 11, 2018 |
| Instrument | 20180911000519670 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2048 |
The 2025 property tax bill for 3605 Broad St was $5,422.
Source: St. Charles County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $5,422.00 | $71,949 | $378,678 Land $48,000 Building $330,678 |
| 2023 | $68,342 | ||
| 2022 | $359,692 Land $36,000 Building $323,692 |
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 3605 Broad St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
The area around 3605 Broad St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 657 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 |
| Verizon Fixed Wireless | 300 / 20 |
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