St. Charles County property record for 3705 Broad St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,084 sqft · built 2019 |
| Lot Size | 0.09 acres (3,907 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $387,100 (Sep 2019) |
| Tax Bill | $5,757 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Apr 2021 Second Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T190500022 |
| Primary APN | T190500022 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,084 sqft Living Area |
| Gross Area | 3,336 sqft |
| 1st Floor Area | 1,224 sqft |
| Basement Area | 1,224 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Lot Area | 3,907 sqft (0.09 acres) |
| Parking Spaces | 3 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T190500022 |
|---|---|
| Street Address | 3705 BROAD ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8070 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS #10-G LOT 8264 |
| Legal Subdivision | NEW TOWN AT ST CHAS #10-G |
| Legal Lot Number | 8264 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 310201 |
Source: St. Charles County records, as of November 7, 2025
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 | 3705 BROAD ST, SAINT CHARLES, MO 63301-8070 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 27, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEIGHBORS CU |
| Apr 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEIGHBORS CU |
| Mar 22, 2021 | Beneficiary Deed, Transfer |
| Nov 20, 2020 | Deed of Trust, Mortgage PEOPLES NAT'L BK |
| Sep 4, 2019 | Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2019 · Amount on Record |
| Deed Sale | Sep 4, 2019 · Amount on Record |
| Deed Document Number | 2019474530 |
| Deed Book / Page | 7135 / 1393 |
| Last Transfer Date | Mar 22, 2021 |
| Transfer Doc | 2021R025054 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3705 BROAD ST, SAINT CHARLES, MO 63301-8070 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2025 |
| Title Company | OLD REPUBLIC TITLE, ORT |
| Name | Verified Name |
|---|---|
| Address | 3705 BROAD ST, SAINT CHARLES, MO 63301-8070 |
| Document Number | 0000047794 |
|---|---|
| Date | Oct 27, 2025 |
| Instrument | 2025R-047794 |
| Name | NEIGHBORS CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63123 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 186 Months |
| Due | Apr 8, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3705 BROAD ST, SAINT CHARLES, MO 63301-8070 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 3705 BROAD ST, SAINT CHARLES, MO 63301-8070 |
| Document Number | 2021R035327 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 2021R-035327 |
| Name | NEIGHBORS CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63123 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 8, 2041 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 22, 2021 |
| Property Address | 3705 BROAD ST, SAINT CHARLES, MO 63301-8070 |
| Document Number | 2021R025054 |
| Map Reference | MB 50 PG 66 |
| Instrument Date | Mar 22, 2021 |
| Instrument | 2021R-025054 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3705 BROAD ST, SAINT CHARLES, MO 63301-8070 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3705 BROAD ST, SAINT CHARLES, MO 63301-8070 |
| Document Number | 0000099954 |
| Instrument Date | Nov 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3705 BROAD ST ST CHARLES MO 633018070, ST CHARLES, MO 63301-8070 |
| Document Number | 0000099954 |
|---|---|
| Date | Dec 18, 2020 |
| Instrument | 99954 |
| Name | PEOPLES NAT'L BK |
|---|---|
| Type | Bank |
| Address | MT VERNON, IL 62864 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 17, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 4, 2019 |
| Property Address | 3705 BROAD ST, SAINT CHARLES, MO 63301-8070 |
| Document Number | 0071351393 |
| Book / Page | 7135 / 1393 |
| Map Reference | MB 50 PG 66 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 20190904000474530 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | DEPENDABLE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16091 SWINGLEY RIDGE RD # RD300, 16091, CHESTERFIELD, MO 63017-2005 |
| Name | Verified Name |
|---|---|
| Address | 3705 BROAD ST, SAINT CHARLES, MO 63301-8070 |
| Document Number | 20190904000474540 |
|---|---|
| Date | Sep 4, 2019 |
| Instrument | 20190904000474540 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2049 |
Source: St. Charles County assessment roll, as of August 13, 2025
| 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 |
|---|---|---|---|
| 2025 | $5,757.00 (+0.84%) | $76,072 (+3.81%) | $400,379 (+3.81%) Land $48,000 Building $352,379 |
| 2024 | $5,709.00 | ||
| 2023 | $73,279 | ||
| 2022 | $385,680 Land $36,000 Building $349,680 |
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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 31 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 3 (2013–2022) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2022 · Severe Storms 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 | Not rated no burnable land within 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 | 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 657 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures