St. Charles County property record for 705 N 3rd St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,097 sqft · built 1840 |
| Lot Size | 0.103 acres (4,500 sqft) |
| Owner | Company Name on Record |
| Last Sale | $440,000 (Nov 2022) |
| Tax Bill | $1,859 (2025) |
| Deeds & Mortgages | Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 008490A000 |
| Primary APN | 008490A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,097 sqft Living Area |
| Gross Area | 1,851 sqft |
| 1st Floor Area | 1,097 sqft |
| Basement Area | 754 sqft |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 1840 |
| Architectural Style | Multi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,500 sqft (0.103 acres) |
| Lot Dimensions | 150 ft deep x 30 ft wide |
| Terrain | Rolling |
| Porch | Open Porch |
| Porch Area | 190 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 008490A000 |
|---|---|
| Street Address | 705 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 | 9 |
| 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.
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 233 VICTORIA PARK AVE, WENTZVILLE, MO 63385-7271 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 8, 2022 · Amount on Record |
| Deed Sale | Nov 8, 2022 · Amount on Record |
| Prior Sale | Feb 24, 2014 · Amount on Record |
| Deed Document Number | 202260658 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 705 N 3RD ST, SAINT CHARLES, MO 63301-2042 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0067711168 |
|---|---|
| Date | Jul 7, 2017 |
| Book Page | 6771/1168 |
| Instrument | 20170707000419720 |
| Name | NEW FRONTIER BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63303 |
| Amount | Amount Recorded |
|---|
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 | $29,445 (-) | $154,974 (-) Land $50,000 Building $104,974 | |
| 2025 | $1,859.00 | $29,445 (+7.7%) | $154,974 (+7.7%) Land $50,000 Building $104,974 |
| 2023 | $27,340 | ||
| 2022 | $143,895 Land $37,500 Building $106,395 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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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