630 S 3rd St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 630 S 3rd St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 2,436 sqft · built 1979
Lot Size	0.168 acres (7,320 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Apr 2025)
Tax Bill	$2,956 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`006000A000`

Property Details

APN / Parcel Number

Primary APN	`006000A000`
Alternative APN	`6-014A-4170-00-0001.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,436 sqft Living Area
Gross Area	3,400 sqft
1st Floor Area	1,436 sqft
Basement Area	1,436 sqft
Finished Basement	1,000 sqft
Unfinished Basement	436 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,320 sqft (0.168 acres)
Lot Dimensions	120 ft deep x 61 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	110 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	006000A000
Street Address	630 S 3RD ST
City	SAINT CHARLES
State	MO
Zip	63301-3417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA5
Legal Description	J G LAWLER SUB LOT 1
Legal Subdivision	LAWLER SUB (J.G.)
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2037
Census Tract	310502

Owner

630 S 3rd St is owned and occupied by an individual who bought it in April 2025.

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

Owner of Record	Individual Name on File
Mailing Address	630 S 3RD ST, SAINT CHARLES, MO 63301-3417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2025 · Amount on File
Deed Sale	Apr 14, 2025 · Amount on File
Prior Sale	Jun 21, 2019
Deed Document Number	202514756
Prior Transfer Date	Jun 18, 2019
Prior Transfer Doc	0000309250
Record Updated	Oct 29, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 2, 2017
Property Address	630 S 3RD ST, SAINT CHARLES, MO 63301-3417
Document Number	0067531442
Book / Page	6753 / 1442
Map Reference	MB 03 PG 55
Instrument Date	Jun 1, 2017
Instrument	20170602000338900
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE CORPORATION AND OR

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	630 S 3RD ST, 630, SAINT CHARLES, MO 63301-3417

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 S 3RD ST, SAINT CHARLES, MO 63301-3417

Mortgage

Document Number	20170602000338910
Date	Jun 2, 2017
Instrument	20170602000338910

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 630 S 3rd St was $2,956.

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	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$47,112 (-)	$247,959 (-) Land $50,000 Building $197,959
2025	$2,956.00	$47,112	$247,959 Land $50,000 Building $197,959
2023		$44,819 (+27.9%)
2022	$2,415.00	$35,042	$235,893 (+27.9%) Land $37,500 Building $198,393
2021			$184,430 Land $37,500 Building $146,930

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 630 S 3rd St in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	22 (1979–2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 6 claims Severe Storms & Flooding, Aug 1993 · 6 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

The area around 630 S 3rd 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.

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 345 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20