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809 N 3rd St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 809 N 3rd St, Saint Charles, MO 63301

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,310 sqft · built 1920
Lot Size0.206 acres (9,000 sqft)
OwnerIndividual Name on Record
Last Sale$293,500 (Aug 2020)
Tax Bill$3,681 (2025)
Deeds & MortgagesAug 2020 Sale
Jun 2018 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN008610A000

Property Details

APN / Parcel Number

Primary APN008610A000
Alternative APN
  • 6-009A-B097-00-0011.0000000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,310 sqft Living Area
1st Floor Area1,688 sqft
Basement Area1,168 sqft
Finished Basement330 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1920
Architectural StyleOther
Exterior MaterialBrick
Lot Area9,000 sqft
Lot Dimensions150 ft deep x 60 ft wide
TerrainRolling
Garage TypeAttached
PorchPorch
Porch Area221 sqft

Utilities, Heating & Cooling

Heating SystemForced Air
SewerConnected

Location & Zoning

Account Number008610A000
Old Parcel Number008610A000
Street Address809 N 3RD ST
CitySAINT CHARLES
StateMO
Zip63301-2044
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAF2
Legal DescriptionPT CITY BLK 97
Legal Range05E
Legal Township47N
Legal SubdivisionCITY/ST CHARLES
Legal Block97
Legal Lot Number11
JurisdictionST CHARLES MO
Township / Civil DivisionRIVERS
Census Block Group1
Census Block1006
Census Tract310400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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.

Owner

Source: St. Charles County records, as of March 16, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address809 N 3RD ST, SAINT CHARLES, MO 63301-2044
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 4, 2020Warranty Deed, Transfer
SYNERGY TITLE
Jun 14, 2018Warranty Deed, Transfer
TITLE PARTNERS AGENCY LLC
Apr 2, 2018Warranty Deed, Transfer · VA Mortgage
BROKER SOLUTIONS INC
Sep 9, 2017Loan Modification, Mortgage · Line of Credit
CARROLLTON BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 4, 2020 · Amount on Record
Deed SaleAug 4, 2020 · Amount on Record
Prior SaleApr 2, 2018
Deed Document Number0073621335
Deed Book / Page7362 / 1335
Record UpdatedJun 8, 2026

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateAug 4, 2020
Property Address809 N 3RD ST, SAINT CHARLES, MO 63301-2044
Document Number0073621335
Book / Page007362 / 001335
Instrument DateJul 22, 2020
Instrument553470
Transaction TypeTransfer
Record UpdatedOct 6, 2020
Title CompanySYNERGY TITLE

Transaction

AmountAmount Recorded
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address809 N 3RD ST ST CHARLES MO 633012044, ST CHARLES, MO 63301-2044

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateJun 14, 2018
Property Address809 N 3RD ST, SAINT CHARLES, MO 63301-2044
Document Number0069332377
Book / Page006933 / 002377
Instrument DateMay 24, 2018
Instrument332170
Transaction TypeTransfer
Record UpdatedJul 17, 2018
Title CompanyTITLE PARTNERS AGENCY LLC

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address809 N 3RD ST ST CHARLES MO 633012044, ST CHARLES, MO 63301-2044

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateApr 2, 2018
Property Address809 N 3RD ST, SAINT CHARLES, MO 63301-2044
Document Number0068990960
Book / Page6899 / 0960
Instrument DateMar 23, 2018
Instrument20180402000173060
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyTITLE PARTNERS AGENCY LLC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address809 N 3RD ST, SAINT CHARLES, MO 63301-2044
InvestorPossibly a Property Investor

Mortgage

Document Number20180402000173080
DateApr 2, 2018
Instrument20180402000173080
Lender
NameBROKER SOLUTIONS INC
TypeFunding / Finance Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2048

September 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST CHARLES MO
Property Address809 N 3RD ST, SAINT CHARLES, MO 63301-2044
Document Number0068150263
Book / Page006815 / 000263
Instrument DateSep 9, 2017
Transaction TypeMortgage
Record UpdatedOct 5, 2017
Title CompanyTITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address809 N 3RD ST ST CHARLES MO 633012044, ST CHARLES, MO 63301-2044

Mortgage

Document Number0068150263
DateSep 28, 2017
Book Page006815/000263
Instrument611590
Lender
NameCARROLLTON BK
TypeBank
AddressSAINT CHARLES, MO 63301
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictSt. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,681.00$58,781 (+4.09%)$309,375 (+4.09%) Land $50,000 Building $259,375
2023$56,471
2022$297,220 Land $37,500 Building $259,720

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims3 (1979–1985)
Most Recent ClaimAug 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.6% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemST CHARLES PWS
serves 78,961 people · EPA ID MO6010707
Water SourcePurchased surface water from several systems
Last State InspectionOct 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 670 locations within half a mile, as of December 31, 2025

ProviderMax 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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