St. Charles County property record for 3610 Arpent St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,398 sqft · built 2005 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $487,500 (Nov 2025) |
| Tax Bill | $5,402 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage May 2024 Transfer + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T060500177 |
| Primary APN | T060500177 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,398 sqft Living Area |
| Gross Area | 4,250 sqft |
| 1st Floor Area | 1,320 sqft |
| Basement Area | 1,210 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 810 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 196 sqft |
| Patio Area | 168 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T060500177 |
|---|---|
| Street Address | 3610 ARPENT ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8081 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS #1 LOT 640 |
| Legal Subdivision | NEW TOWN AT ST CHAS #1 |
| Legal Lot Number | 640 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 310201 |
3610 Arpent St is owned and occupied by two individuals who bought it in November 2025.
Source: St. Charles County records, as of September 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3610 ARPENT ST, SAINT CHARLES, MO 63301-8081 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Nov 12, 2025 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO |
| May 6, 2024 | Intrafamily Transfer, Transfer |
| Oct 2, 2020 | Deed of Trust, Mortgage NEWREZ LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 12, 2025 · Amount on File |
| Deed Sale | Nov 12, 2025 · Amount on File |
| Prior Sale | Sep 27, 2017 · Amount on File |
| Deed Document Number | 202550710 |
| Prior Transfer Date | May 3, 2024 |
| Prior Transfer Doc | 0000017249 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 12, 2025 |
| Property Address | 3610 ARPENT ST, SAINT CHARLES, MO 63301-8081 |
| Document Number | 0000050710 |
| Map Reference | MB 42 PG 14 |
| Instrument Date | Sep 20, 2025 |
| Instrument | 2025R-050710 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2025 |
| Title Company | CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 RESERVE RD, DANBURY, CT 06810-5267 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3610 ARPENT ST, SAINT CHARLES, MO 63301-8081 |
| Document Number | 0000050711 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | 2025R-050711 |
| Name | FIRST STATE BANK OF ST CHARLES MO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2040 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 6, 2024 |
| Property Address | 3610 ARPENT ST, SAINT CHARLES, MO 63301-8081 |
| Document Number | 0000017249 |
| Map Reference | MB 42 PG 14 |
| Instrument Date | May 3, 2024 |
| Instrument | 2024R-017249 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 3610 ARPENT ST, SAINT CHARLES, MO 63301-8081 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3610 ARPENT ST, SAINT CHARLES, MO 63301-8081 |
| Document Number | 0000075759 |
| Instrument Date | Oct 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3610 ARPENT ST ST CHARLES MO 633018081, ST CHARLES, MO 63301-8081 |
| Document Number | 0000075759 |
|---|---|
| Date | Oct 8, 2020 |
| Instrument | 75759 |
| Name | NEWREZ LLC |
|---|---|
| Address | KANSAS CITY, MO 64116 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Oct 7, 2035 |
The 2025 property tax bill for 3610 Arpent St was $5,402.
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 | $82,887 (-) | $436,248 (-) Land $93,336 Building $342,912 | |
| 2025 | $5,402.00 | $82,887 | $436,248 Land $93,336 Building $342,912 |
| 2023 | $78,848 | ||
| 2022 | $414,989 Land $70,002 Building $344,987 |
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 3610 Arpent 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.
Wildfire risk around 3610 Arpent 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 | 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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