St. Charles County property record for 3648 Thyme Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,172 sqft · built 1978 |
| Lot Size | 0.229 acres (9,975 sqft) |
| Owner | Company Name on Record |
| Last Sale | $245,000 (Oct 2020) |
| Tax Bill | $3,066 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 497184A000 |
| Primary APN | 497184A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,172 sqft Living Area |
| Gross Area | 2,968 sqft |
| 1st Floor Area | 1,272 sqft |
| Basement Area | 1,176 sqft |
| Finished Basement | 900 sqft |
| Unfinished Basement | 276 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Bi-Level |
| Exterior Material | Masonry Veneer |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,975 sqft (0.229 acres) |
| Lot Dimensions | 133 ft deep x 75 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 16 sqft |
| Patio Area | 198 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 497184A000 |
|---|---|
| Street Address | 3648 THYME DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | CINNAMON HILLS #1 LOT 17 |
| Legal Subdivision | CINNAMON HILLS #1 |
| Legal Lot Number | 17 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 311147 |
Source: St. Charles County records, as of October 20, 2026
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 Record |
|---|---|
| Mailing Address | 600 GALLERIA PKWY SE, 300, ATLANTA, GA 30339-8146 |
| Owner Type | Company |
| Vesting | Limited Partnership |
| Date | Document |
|---|---|
| Oct 9, 2026 | Deed of Trust · Conventional Mortgage ATHENE ANNUITY LIFE COMPANY |
| Jul 23, 2021 | Deed of Trust, Mortgage · Unknown MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
| Oct 28, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Jul 15, 2020 | Foreclosure NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2020 · Amount on Record |
| Deed Sale | Oct 28, 2020 · Amount on Record |
| Prior Sale | Oct 28, 2020 · Amount on Record |
| Deed Document Number | 202082404 |
| Prior Transfer Date | Jul 2, 2020 |
| Prior Transfer Doc | 0073451895 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 9, 2026 |
| Property Address | 3648 THYME DR, SAINT CHARLES, MO 63303-6331 |
| Document Number | 0000048203 |
| Instrument Date | Oct 15, 2025 |
| Instrument | 202648203 |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership, 267 |
| Investor | Possibly a Property Investor |
| Document Number | 0000048203, |
|---|---|
| Date | Oct 9, 2026 |
| Instrument | 202648203 |
| Name | ATHENE ANNUITY LIFE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3648 THYME DR, SAINT CHARLES, MO 63303-6331 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2022 |
| Title Company | OS NATIONAL LLC |
| Name | Verified Name |
|---|
| Document Number | 0000062081 |
|---|---|
| Date | Jul 23, 2021 |
| Instrument | 2021R-062081 |
| Name | MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10036 |
| Type | Unknown |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 28, 2020 |
| Property Address | 3648 THYME DR, SAINT CHARLES, MO 63303-6331 |
| Document Number | 0000082404 |
| Instrument Date | Oct 20, 2020 |
| Instrument | 82404 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 1850 PARKWAY PL #900 MARIETTA GA 30067, 900, MARIETTA, GA 30067 |
| Investor | Possibly a Property Investor |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 15, 2020 |
| Property Address | 3648 THYME DR, SAINT CHARLES, MO 63303-6331 |
| Document Number | 0073451895 |
| Book / Page | 007345 / 001895 |
| Instrument Date | Jun 30, 2020 |
| Instrument | 493990 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 31, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 489 WRIGHT CITY MO 633900489, WRIGHT CITY, MO 63390-0489 |
| Investor | Possibly a Property Investor |
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 | $50,965 (-) | $268,235 (-) Land $45,000 Building $223,235 | |
| 2025 | $3,066.00 (-2.51%) | $50,965 (+0.42%) | $268,235 (+0.42%) Land $45,000 Building $223,235 |
| 2024 | $3,145.00 | ||
| 2023 | $50,754 | ||
| 2022 | $267,125 Land $45,000 Building $222,125 |
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
| 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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