St. Charles County property record for 4040 Hempstead St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,300 sqft · built 2017 |
| Lot Size | 0.126 acres (5,502 sqft) |
| Owner | Company Name on File |
| Last Sale | $565,000 (Oct 2023) |
| Tax Bill | $7,241 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Oct 2023 Sale + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T160500100 |
| Primary APN | T160500100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,300 sqft Living Area |
| Gross Area | 3,660 sqft |
| 1st Floor Area | 1,830 sqft |
| Basement Area | 1,830 sqft |
| Finished Basement | 1,470 sqft |
| Unfinished Basement | 360 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Ranch |
| Exterior Material | Siding |
| Lot Area | 5,502 sqft (0.126 acres) |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T160500100 |
|---|---|
| Street Address | 4040 HEMPSTEAD ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS GATEWAY DIST #1 LOT 202 |
| Legal Subdivision | NEW TOWN AT ST CHAS GATEWAY DIST #1 |
| Legal Lot Number | 202 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 310201 |
4040 Hempstead St is owned by a company that bought it in October 2023 and is owner-occupied.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 4040 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8458 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP |
| Oct 19, 2023 | Warranty Deed, Transfer CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC |
| Jun 28, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2023 · Amount on File |
| Deed Sale | Oct 19, 2023 · Amount on File |
| Prior Sale | May 25, 2017 · Amount on File |
| Deed Document Number | 202343151 |
| Prior Transfer Date | Jun 23, 2022 |
| Prior Transfer Doc | 0000035801 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4040 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8458 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000018290 |
|---|---|
| Date | Mar 30, 2022 |
| Instrument | 2022R-018290 |
| Name | AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 19, 2023 |
| Property Address | 4040 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8458 |
| Document Number | 0000043151 |
| Map Reference | MB 48 PG 62 |
| Instrument Date | Oct 16, 2023 |
| Instrument | 2023R-043151 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1032 BELLEVAUX PL, SAINT CHARLES, MO 63301-1398 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4040 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8458 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 28, 2022 |
| Property Address | 4040 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8458 |
| Document Number | 0000035801 |
| Map Reference | MB 48 PG 62 |
| Instrument Date | Jun 23, 2022 |
| Instrument | 2022R-035801 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4040 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8458 |
The 2025 property tax bill for 4040 Hempstead St was $7,241.
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $90,976 (-) | $478,821 (-) Land $73,334 Building $405,487 | |
| 2025 | $7,241.00 | $90,976 | $478,821 Land $73,334 Building $405,487 |
| 2023 | $81,062 | ||
| 2022 | $426,640 Land $55,000 Building $371,640 |
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.
FEMA maps place 4040 Hempstead St in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 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.
The area around 4040 Hempstead St has no burnable land within ember reach, so its wildfire risk is not rated.
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 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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