3835 Duchess Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3835 Duchess Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,760 sqft · built 1984
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$156,900 (Jul 2010)
Tax Bill	$2,853 (2024)
Deeds & Mortgages	Oct 2025 Second Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`495958A003`

Property Details

APN / Parcel Number

Primary APN	`495958A003`
Alternative APN	`3-0037-5621-00-0012.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,760 sqft Living Area
Gross Area	2,738 sqft
1st Floor Area	1,160 sqft
Basement Area	1,160 sqft
Finished Basement	600 sqft
Unfinished Basement	560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	144 sqft
Deck Area	Deck Area
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	495958A003
Street Address	3835 DUCHESS DR
City	SAINT CHARLES
State	MO
Zip	63304-7090
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LEXINGTON SQ #6 RESUB LOT 12
Legal Subdivision	LEXINGTON SQ #6 RESUB LAGOON
Legal Lot Number	12
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2011
Census Tract	311149

Owner

3835 Duchess Dr is owned and occupied by two individuals who bought it in July 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	3835 DUCHESS DR, SAINT CHARLES, MO 63304-7090
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
Oct 5, 2017	Deed of Trust, Mortgage FIRST CMNTY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2010 · Amount on File
Deed Sale	Jul 28, 2010 · Amount on File
Prior Sale	Dec 7, 2006 · Amount on File
Deed Document Number	2010456960
Deed Book / Page	5419 / 995
Prior Transfer Date	Jul 22, 2010
Prior Transfer Doc	0054190995
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3835 DUCHESS DR, SAINT CHARLES, MO 63304-7090
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3835 DUCHESS DR, SAINT CHARLES, MO 63304-7090

Mortgage

Document Number	0000044501
Date	Oct 7, 2025
Instrument	2025R-044501

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 30, 2035

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3835 DUCHESS DR, SAINT CHARLES, MO 63304-7090
Document Number	0068250468
Instrument Date	Oct 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3835 DUCHESS DR ST CHARLES MO 633047090, ST CHARLES, MO 63304-7090

Mortgage

Document Number	0068250468
Date	Oct 18, 2017
Book Page	006825/000468
Instrument	655010

Lender

Name	FIRST CMNTY FCU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount on Record
Term	180 Months
Due	Oct 17, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$45,459 (-)	$239,256 (-) Land $55,000 Building $184,256
2025		$45,459	$239,256 Land $55,000 Building $184,256
2024	$2,853.00
2023		$47,644
2022			$250,759 Land $55,000 Building $195,759

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 3835 Duchess Dr in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Aug 2020 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 5 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 3835 Duchess Dr 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 99.8% of the US · lower than 99.6% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 381 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

May also be available: T-Mobile.

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