St. Charles County property record for 701 N 3rd St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,110 sqft · built 1833 |
| Lot Size | 0.127 acres (5,550 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (May 2015) |
| Tax Bill | $5,177 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Nov 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 008500A000 |
| Primary APN | 008500A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 13 Rooms |
| Stories | 2 Stories |
| Building Area | 3,110 sqft Living Area |
| Gross Area | 4,406 sqft |
| 1st Floor Area | 2,981 sqft |
| Basement Area | 1,296 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1833 |
|---|---|
| Effective Year Built | Effective 1833 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,550 sqft (0.127 acres) |
| Lot Dimensions | 150 ft deep x 37 ft wide |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 192 sqft |
| Patio Area | 224 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 008500A000 |
|---|---|
| Street Address | 701 N 3RD ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2042 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF2 |
| Legal Description | PT CITY BLK 96 |
| Legal Subdivision | CITY/STCHARLES |
| Legal Block | 96 |
| Legal Lot Number | 8 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 310400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Frenchtown Historic District listed 1991 · 206 contributing resources · NRIS 91000216 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
701 N 3rd St is owned and occupied by two individuals who acquired it in June 2018.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 701 N 3RD ST, SAINT CHARLES, MO 63301-2042 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 6, 2024 | Deed of Trust, Mortgage · Line of Credit TOGETHER CU |
| Nov 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage TOGETHER CU |
| Jan 8, 2021 | Deed of Trust, Mortgage WEST CMNTY CU |
| Jul 6, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 2015 · Amount on File |
| Deed Sale | May 13, 2015 · Amount on File |
| Prior Sale | Nov 19, 2009 · Amount on File |
| Deed Document Number | 2015296290 |
| Deed Book / Page | 6353 / 2424 |
| Last Transfer Date | Jun 29, 2018 |
| Transfer Doc | 0069450059 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 701 N 3RD ST, SAINT CHARLES, MO 63301-2042 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 701 N 3RD ST, SAINT CHARLES, MO 63301-2042 |
| Document Number | 0000004703 |
|---|---|
| Date | Feb 6, 2024 |
| Instrument | 2024R-004703 |
| Name | TOGETHER CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63118 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Feb 28, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 701 N 3RD ST, SAINT CHARLES, MO 63301-2042 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 111 GENTRY PARK DR, WENTZVILLE, MO 63385-4311 |
| Document Number | 0000060659 |
|---|---|
| Date | Nov 8, 2022 |
| Instrument | 2022R-060659 |
| Name | TOGETHER CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 9.87% |
| Index | 1-Year T-Bill |
| Max Rate | 9.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 701 N 3RD ST, SAINT CHARLES, MO 63301-2042 |
| Document Number | 0000004029 |
| Instrument Date | Jan 8, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 701 N 3RD ST ST CHARLES MO 633012042, ST CHARLES, MO 63301-2042 |
| Document Number | 0000004029 |
|---|---|
| Date | Jan 14, 2021 |
| Instrument | 4029 |
| Name | WEST CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | O'FALLON, MO 63368 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 13, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 6, 2018 |
| Property Address | 701 N 3RD ST, SAINT CHARLES, MO 63301-2042 |
| Document Number | 0069450059 |
| Book / Page | 006945 / 000059 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 381460 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 701 N 3RD ST ST CHARLES MO 633012042, ST CHARLES, MO 63301-2042 |
The 2025 property tax bill for 701 N 3rd St was $5,177, up 5.3% 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 | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $82,876 (-) | $436,188 (-) Land $50,000 Building $386,188 | |
| 2025 | $5,177.00 (+5.33%) | $82,876 | $436,188 Land $50,000 Building $386,188 |
| 2024 | $4,915.00 | ||
| 2023 | $76,821 | ||
| 2022 | $404,318 Land $37,500 Building $366,818 |
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 701 N 3rd St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (1979–1985) |
| Most Recent Claim | Aug 1985 · tidal / storm surge |
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 risk around 701 N 3rd St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.6% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 121 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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