3786 Elm St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3786 Elm St, Saint Charles, MO 63301

Property Summary

Property Type	Commercial
Details	2,965 sqft · built 2007
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Trust Names on File
Last Sale	$900,000 (Feb 2016)
Tax Bill	$20,771 (2025)
Deeds & Mortgages	Jun 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`T070700057`

Property Details

APN / Parcel Number

Primary APN	`T070700057`
Alternative APN	`5-0079-A173-00-000B.0000000`

Interior

Building Area	2,965 sqft Gross Area
1st Floor Area	2,965 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	34,848 sqft (0.8 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T070700057
Street Address	3786 ELM ST
City	SAINT CHARLES
State	MO
Zip	63301-4336
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	KNOBBE SUB #2 LOT B
Legal Subdivision	KNOBBE SUB #2
Legal Lot Number	B
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2074
Census Tract	311500

Owner

3786 Elm St, a commercial property, is held in a trust since February 2016.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1014 ARLINGTON DR, SAINT LOUIS, MO 63128
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2016 · Amount on File
Deed Sale	Feb 17, 2016 · Amount on File
Prior Sale	Sep 18, 2013 · Amount on File
Deed Document Number	201691020
Deed Book / Page	6491 / 1616
Prior Transfer Date	Jul 13, 2012
Prior Transfer Doc	0000525210
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 30, 2026
Property Address	3786 ELM ST, SAINT CHARLES, MO 63301-4336
Document Number	0000030650
Instrument Date	Nov 21, 2025
Instrument	202630650
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust

Tax Assessment & Valuation

The 2025 property tax bill for 3786 Elm St was $20,771.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$296,341 (-)	$926,066 (-) Land $261,360 Building $664,706
2025	$20,771.00	$296,341	$926,066 Land $261,360 Building $664,706
2023		$277,220
2022			$866,311 Land $261,360 Building $604,951

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.

Flood

FEMA maps place 3786 Elm St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 62 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	62 in force
Nearby Flood Claims	307 (1979–2022)
Claims Outside the SFHA	22 of 307
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 43 claims Severe Storms, Tornadoes, And Flooding, Jun 2019 · 28 claims Severe Storms & Flooding, Aug 1993 · 84 claims

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.

Wildfire

Wildfire risk around 3786 Elm St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 95% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
Brown Dog Networks Fixed Wireless	50 / 10