3615 Hempstead St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3615 Hempstead St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,293 sqft · built 2005
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$314,400 (Jun 2009)
Tax Bill	$5,359 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T060500269`

Property Details

APN / Parcel Number

Primary APN	`T060500269`
Alternative APN	`5-116B-9772-00-1004.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,293 sqft Living Area
Gross Area	3,203 sqft
1st Floor Area	2,293 sqft
Basement Area	910 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Multi-Level
Exterior Material	Siding
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	196 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T060500269
Street Address	3615 HEMPSTEAD ST
City	SAINT CHARLES
State	MO
Zip	63301-8103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS #1 LOT 1004
Legal Subdivision	NEW TOWN AT ST CHAS #1
Legal Lot Number	1004
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	4
Census Block	4007
Census Tract	310201

Owner

3615 Hempstead St is owned and occupied by an individual who bought it in June 2009.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	3615 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8103
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2009 · Amount on File
Deed Sale	Jun 1, 2009 · Amount on File
Prior Sale	Nov 2, 2005 · Amount on File
Deed Document Number	2009430030
Deed Book / Page	5197 / 1810
Prior Transfer Date	May 20, 2009
Prior Transfer Doc	0051971810
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3615 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8103
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3615 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8103

Mortgage

Document Number	2021R046634
Date	Jun 1, 2021
Instrument	2021R-046634

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 3615 Hempstead St was $5,359, up 2.1% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$82,216 (-)	$432,715 (-) Land $93,336 Building $339,379
2025	$5,359.00 (+2.08%)	$82,216	$432,715 Land $93,336 Building $339,379
2024	$5,250.00
2023		$78,344
2022			$412,336 Land $70,002 Building $342,334

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.

Flood

FEMA maps place 3615 Hempstead St in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

Wildfire risk around 3615 Hempstead 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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