St. Charles County property record for 3645 Thyme Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,008 sqft · built 1977 |
| Lot Size | 0.225 acres (9,800 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,676 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 497210A000 |
| Primary APN | 497210A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| Gross Area | 2,496 sqft |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 1,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,800 sqft (0.225 acres) |
| Lot Dimensions | 140 ft deep x 70 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 497210A000 |
|---|---|
| Street Address | 3645 THYME DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | CINNAMON HILLS #1 LOT 43 |
| Legal Subdivision | CINNAMON HILLS #1 |
| Legal Lot Number | 43 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 311147 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3645 THYME DR, SAINT CHARLES, MO 63303-6330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3645 THYME DR, SAINT CHARLES, MO 63303-6330 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3645 THYME DR, SAINT CHARLES, MO 63303-6330 |
| Document Number | 2021R013272 |
|---|---|
| Date | Feb 12, 2021 |
| Instrument | 2021R-013272 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Unknown |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jan 1, 2036 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $44,419 (-) | $233,782 (-) Land $45,000 Building $188,782 | |
| 2025 | $2,676.00 | $44,419 (+3.09%) | $233,782 (+3.09%) Land $45,000 Building $188,782 |
| 2023 | $43,087 | ||
| 2022 | $226,773 Land $45,000 Building $181,773 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | 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 | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 526 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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