5103 Barter St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 5103 Barter St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,003 sqft · built 2021
Lot Size	0.036 acres (1,551 sqft)
Owner	2 Individual Names on Record
Last Sale	$301,210 (Jul 2022)
Tax Bill	$4,131 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Oct 2022 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T200500318`

Property Details

APN / Parcel Number

Primary APN	`T200500318`
Alternative APN	`5-116B-C820-00-2404.A000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,003 sqft Living Area
Gross Area	2,064 sqft
1st Floor Area	810 sqft
Basement Area	608 sqft
Finished Basement	547 sqft
Unfinished Basement	61 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Bi-Level
Exterior Material	Wood
Lot Area	1,551 sqft (0.036 acres)

Location & Zoning

Account Number	T200500318
Street Address	5103 BARTER ST
City	SAINT CHARLES
State	MO
Zip	63301-7415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS #6-C-2-1 LOT 2404A
Legal Subdivision	NEW TOWN AT ST CHAS #6-C-2-1
Legal Lot Number	2404A
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	3
Census Block	3011
Census Tract	310201

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3349 GRANGER BLVD, SAINT CHARLES, MO 63301-8198
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · Line of Credit CENTRAL BANK OF ST LOUIS
Oct 31, 2022	Beneficiary Deed, Transfer
Jul 18, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ACCESS CAPITAL FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2022 · Amount on Record
Deed Sale	Jul 18, 2022 · Amount on Record
Deed Document Number	202239729
Last Transfer Date	Oct 17, 2022
Transfer Doc	0000059279
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5103 BARTER ST, SAINT CHARLES, MO 63301-7415
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	GUARANTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3333 RUE ROYALE ST 4, 4, SAINT CHARLES, MO 63301-8237

Mortgage

Document Number	0000070185
Date	Aug 20, 2021
Instrument	2021R-070185

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 31, 2022
Property Address	5103 BARTER ST, SAINT CHARLES, MO 63301-7415
Document Number	0000059279
Map Reference	MB 50 PG 336
Instrument Date	Oct 17, 2022
Instrument	2022R-059279
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3349 GRANGER BLVD, SAINT CHARLES, MO 63301-8198

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3349 GRANGER BLVD, SAINT CHARLES, MO 63301-8198

July 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 18, 2022
Property Address	5103 BARTER ST, SAINT CHARLES, MO 63301-7415
Document Number	0000039729
Map Reference	MB 50 PG 336
Instrument Date	Jul 15, 2022
Instrument	2022R-039729
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 17, 2024
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3334 RUE ROYALE ST, SAINT CHARLES, MO 63301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3349 GRANGER BLVD, SAINT CHARLES, MO 63301-8198

Mortgage

Document Number	0000039730
Date	Jul 18, 2022
Instrument	2022R-039730

Lender

Name	ACCESS CAPITAL FUNDING LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

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		$63,274 (-)	$333,018 (-) Land $45,000 Building $288,018
2025	$4,131.00	$63,274 (+10.56%)	$333,018 (+10.56%) Land $45,000 Building $288,018
2023		$57,230
2022			$301,210 Land $45,000 Building $256,210

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

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.

Wildfire

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.

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 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.

Nearby Properties on Barter St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures