St. Charles County property record for 3642 Hempstead St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 2,992 sqft · built 2005 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $422,500 (Jul 2020) |
| Tax Bill | $7,200 (2025) |
| Deeds & Mortgages | Dec 2018 Line of Credit Jul 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | T060500018 |
| Primary APN | T060500018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,492 sqft Living Area |
| Gross Area | 5,292 sqft |
| 1st Floor Area | 1,700 sqft |
| Basement Area | 1,700 sqft |
| Finished Basement | 1,500 sqft |
| Unfinished Basement | 200 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 312 sqft |
| Deck Area | Deck Area |
| Patio Area | 440 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T060500018 |
|---|---|
| Street Address | 3642 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 131 |
| Legal Subdivision | NEW TOWN AT ST CHAS #1 |
| Legal Lot Number | 131 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 310201 |
Source: St. Charles County records, as of August 7, 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 | 3642 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 26, 2018 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jul 29, 2020 | Warranty Deed, Transfer · Conventional Mortgage USAA FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2020 · Amount on Record |
| Deed Sale | Jul 29, 2020 · Amount on Record |
| Prior Sale | Jul 29, 2020 · Amount on Record |
| Deed Document Number | 2020534470 |
| Deed Book / Page | 7356 / 2432 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3642 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8109 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Title Company | SOLIDIFI |
| Name | Verified Name |
|---|
| Document Number | 0070180918 |
|---|---|
| Date | Dec 26, 2018 |
| Book Page | 7018/0918 |
| Instrument | 20181226000715460 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97204 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 9, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 29, 2020 |
| Property Address | 3642 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8109 |
| Document Number | 0073562432 |
| Book / Page | 7356 / 2432 |
| Map Reference | MB 42 PG 14 |
| Instrument Date | Jun 22, 2020 |
| Instrument | 20200729000534470 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | SELECT TITLE GROUP |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3642 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8109 |
| Document Number | 20200729000534480 |
|---|---|
| Date | Jul 29, 2020 |
| Instrument | 20200729000534480 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2050 |
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 | $110,632 (-) | $582,276 (-) Land $93,336 Building $488,940 | |
| 2025 | $7,200.00 | $110,632 (+11.86%) | $582,276 (+11.86%) Land $93,336 Building $488,940 |
| 2023 | $98,904 | ||
| 2022 | $520,550 Land $70,002 Building $450,548 |
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.
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.
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.
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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