St. Charles County property record for 5097 Barter St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,456 sqft · built 2022 |
| Lot Size | 0.029 acres (1,281 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Sep 2023) |
| Tax Bill | $3,862 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Dec 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T200500323 |
| Primary APN | T200500323 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,456 sqft Living Area |
| Gross Area | 2,064 sqft |
| Basement Area | 608 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Bi-Level |
| Lot Area | 1,281 sqft (0.029 acres) |
| Parking Spaces | 1 Parking Space |
| Account Number | T200500323 |
|---|---|
| Street Address | 5097 BARTER ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-7416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS #6-C-2-1 LOT 2405B |
| Legal Subdivision | NEW TOWN AT ST CHAS #6-C-2-1 |
| Legal Lot Number | 2405B |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 310201 |
5097 Barter St is owned and occupied by two individuals who bought it in September 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5097 BARTER ST, SAINT CHARLES, MO 63301-7416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
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 |
|---|---|
| Sep 14, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 20, 2022 | Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK |
| Sep 15, 2023 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2023 · Amount on File |
| Deed Sale | Sep 15, 2023 · Amount on File |
| Deed Document Number | 202337880 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 14, 2026 |
| Property Address | 5097 BARTER ST, SAINT CHARLES, MO 63301-7416 |
| Document Number | 0000043829 |
| Instrument Date | Sep 9, 2026 |
| Instrument | 202643829 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5097 BARTER ST, SAINT CHARLES, MO 63301-7416 |
| Document Number | 0000043829, |
|---|---|
| Date | Sep 14, 2026 |
| Instrument | 202643829 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5097 BARTER ST, SAINT CHARLES, MO 63301-7416 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3333 RUE ROYALE ST 4, 4, SAINT CHARLES, MO 63301-8237 |
| Document Number | 0000066893 |
|---|---|
| Date | Dec 20, 2022 |
| Instrument | 2022R-066893 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5097 BARTER ST, SAINT CHARLES, MO 63301-7416 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 311 AVENTURA WAY, SAINT PETERS, MO 63376-5902 |
| Document Number | 0000037881 |
|---|---|
| Date | Sep 15, 2023 |
| Instrument | 2023R-037881 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
The 2025 property tax bill for 5097 Barter St was $3,862.
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 | $59,111 (-) | $311,107 (-) Land $45,000 Building $266,107 | |
| 2025 | $3,862.00 | $59,111 | $311,107 Land $45,000 Building $266,107 |
| 2023 | $8,550 | ||
| 2022 | $45,000 Land $45,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 5097 Barter St in Zone X, an area of moderate flood risk.
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 |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 7 in force |
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 5097 Barter 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 564 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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