St. Charles County property record for 3646 Hempstead St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,233 sqft · built 2005 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Company Name on File |
| Last Sale | $551,006 (Feb 2006) |
| Deeds & Mortgages | Dec 2023 Line of Credit Oct 2020 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | T060500017 |
| Primary APN | T060500017 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,233 sqft Living Area |
| 1st Floor Area | 2,163 sqft |
| Basement Area | 2,163 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Single |
| Year Built | Built 2005 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Siding |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 1,460 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 827 sqft |
| Patio Area | 504 sqft |
| Sewer | Connected |
|---|
| Account Number | T060500017 |
|---|---|
| Old Parcel Number | T060500017 |
| Street Address | 3646 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 130 |
| Legal Range | 05E |
| Legal Township | 47N |
| Legal Subdivision | NEW TOWN AT ST CHAS #1 |
| Legal Lot Number | 130 |
| 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 October 19, 2023
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2157 WINDING WOODS DR, LIBERTY, MO 64068-9485 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Dec 11, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Oct 27, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 15, 2006 · Amount on File |
| Deed Sale | Feb 15, 2006 · Amount on File |
| Prior Sale | Feb 15, 2006 · Amount on File |
| Deed Document Number | 0044162251 |
| Deed Book / Page | 4416 / 2251 |
| Last Transfer Date | Oct 27, 2020 |
| Transfer Doc | 0000082176 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3646 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8109 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3646 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8109 |
| Document Number | 0000050197 |
|---|---|
| Date | Dec 11, 2023 |
| Instrument | 2023R-050197 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Oct 10, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 27, 2020 |
| Property Address | 3646 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8109 |
| Document Number | 0000082176 |
| Instrument Date | Oct 2, 2020 |
| Instrument | 82176 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 2157 WINDING WOODS DR LIBERTY MO 640689485, LIBERTY, MO 64068-9485 |
Source: St. Charles County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $85,505 | |
| 2022 | $450,027 Land $70,002 Building $380,025 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% 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 175 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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