St. Charles County property record for 4044 Hempstead St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,819 sqft · built 2021 |
| Lot Size | 0.126 acres (5,502 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $600,000 (May 2026) |
| Tax Bill | $7,927 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Apr 2026 Construction Loan + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T160500099 |
| Primary APN | T160500099 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,819 sqft Living Area |
| Gross Area | 3,638 sqft |
| 1st Floor Area | 1,819 sqft |
| Basement Area | 1,819 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Ranch |
| Lot Area | 5,502 sqft (0.126 acres) |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T160500099 |
|---|---|
| Street Address | 4044 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 201 |
| Legal Subdivision | NEW TOWN AT ST CHAS GATEWAY DIST #1 |
| Legal Lot Number | 201 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 310201 |
4044 Hempstead St is owned and occupied by two individuals who bought it in May 2026.
Source: St. Charles County records, as of September 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4044 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8458 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 |
|---|---|
| May 6, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 27, 2026 | Deed of Trust, Mortgage · Construction Mortgage ROCKET MORTGAGE LLC |
| Dec 5, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 23, 2017 | Warranty Deed, Transfer · Line of Credit CENTRAL BK/ST LOUIS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2026 · Amount on File |
| Deed Sale | May 6, 2026 · Amount on File |
| Prior Sale | Dec 5, 2022 · Amount on File |
| Deed Document Number | 202621302 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 6, 2026 |
| Property Address | 4044 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8458 |
| Document Number | 0000021302 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 202621302 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2026 |
| Title Company | FREEDOM TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4044 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8458 |
| Document Number | 0000021303, |
|---|---|
| Date | May 6, 2026 |
| Instrument | 202621303 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 27, 2026 |
| Property Address | 4044 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8458 |
| Document Number | 0000019175 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 202619175 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4044 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8458 |
| Document Number | 0000019175, |
|---|---|
| Date | Apr 27, 2026 |
| Instrument | 202619175 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 7 Months |
| Due | Nov 1, 2026 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 5, 2022 |
| Property Address | 4044 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8458 |
| Document Number | 0000064273 |
| Map Reference | MB 48 PG 62 |
| Instrument Date | Dec 5, 2022 |
| Instrument | 2022R-064273 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3333 RUE ROYALE ST STE 3, 3, SAINT CHARLES, MO 63301-8237 |
| Name | Verified Name |
|---|---|
| Address | 4044 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8458 |
| Document Number | 0000064274 |
|---|---|
| Date | Dec 5, 2022 |
| Instrument | 2022R-064274 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 23, 2017 |
| Property Address | 4044 HEMPSTEAD ST, SAINT CHARLES, MO 63301-8458 |
| Document Number | 0067640521 |
| Book / Page | 006764 / 000521 |
| Instrument Date | Jun 22, 2017 |
| Instrument | 385840 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2017 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3333 RUE ROYALE ST #4 ST CHARLES MO 633018237, 4, ST CHARLES, MO 63301-8237 |
| Investor | Possibly a Property Investor |
| Document Number | 67640523 |
|---|---|
| Date | Jun 23, 2017 |
| Book Page | 006764/000523 |
| Instrument | 385850 |
| Name | CENTRAL BK/ST LOUIS |
|---|---|
| Address | SAINT LOUIS, MO 63105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 4044 Hempstead St was $7,927, up 0.8% from the year before.
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 | $101,562 (-) | $534,541 (-) Land $73,334 Building $461,207 | |
| 2025 | $7,927.00 (+0.81%) | $101,562 | $534,541 Land $73,334 Building $461,207 |
| 2024 | $7,863.00 | ||
| 2023 | $97,831 | ||
| 2022 | $514,900 Land $55,000 Building $459,900 |
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 4044 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 4044 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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