3634 Hempstead St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3634 Hempstead St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,707 sqft · built 2005
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Feb 2024)
Tax Bill	$4,516 (2025)
Deeds & Mortgages	Feb 2024 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T060500020`

Property Details

APN / Parcel Number

Primary APN	`T060500020`
Alternative APN	`5-116B-9772-00-0133.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,169 sqft Living Area
Gross Area	2,387 sqft
1st Floor Area	1,707 sqft
Basement Area	680 sqft
Finished Basement	462 sqft
Unfinished Basement	218 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	7,841 sqft (0.18 acres)
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T060500020
Street Address	3634 HEMPSTEAD ST
City	SAINT CHARLES
State	MO
Zip	63301-8109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS #1 LOT 133
Legal Subdivision	NEW TOWN AT ST CHAS #1
Legal Lot Number	133
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	4
Census Block	4002
Census Tract	310201

Owner

Source: St. Charles County records, as of September 10, 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 Record
Mailing Address	3634 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8109
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2024 · Amount on Record
Deed Sale	Feb 13, 2024 · Amount on Record
Prior Sale	May 26, 2016 · Amount on Record
Deed Document Number	20245681
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 13, 2024
Property Address	3634 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8109
Document Number	0000005681
Map Reference	MB 42 PG 14
Instrument Date	Feb 12, 2024
Instrument	2024R-005681
Transaction Type	Transfer
Record Updated	Feb 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1246 PALMER CREEK DR, COLUMBIA, IL 62236-2756

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3634 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8109

Mortgage

Document Number	0000005682
Date	Feb 13, 2024
Instrument	2024R-005682

Lender

Name	MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Mar 1, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	8.37%
Margin	2
Max Rate	11.3%

Tax Assessment & Valuation

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		$69,213 (-)	$364,280 (-) Land $93,336 Building $270,944
2025	$4,516.00	$69,213 (+12.49%)	$364,280 (+12.49%) Land $93,336 Building $270,944
2023		$61,529
2022			$323,839 Land $70,002 Building $253,837

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

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 Record 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

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