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

St. Charles County property record for 810 N 3rd St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,034 sqft · built 1920
Lot Size	0.106 acres (4,650 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Jun 2017)
Tax Bill	$2,114 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`005150A000`

Property Details

APN / Parcel Number

Primary APN	`005150A000`
Alternative APN	`6-009A-B062-00-0005.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,034 sqft Living Area
1st Floor Area	726 sqft
Basement Area	726 sqft

Exterior

Year Built	Built 1920
Architectural Style	Other
Exterior Material	Metal
Lot Area	4,650 sqft
Lot Dimensions	150 ft deep x 31 ft wide
Terrain	Rolling
Garage Type	Attached
Porch	Porch
Porch Area	250 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	005150A000
Old Parcel Number	005150A000
Street Address	810 N 3RD ST
City	SAINT CHARLES
State	MO
Zip	63301-2045
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF2
Legal Description	PT CITY BLK 62
Legal Range	05E
Legal Township	47N
Legal Subdivision	CITY/STCHARLES
Legal Block	62
Legal Lot Number	5
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1005
Census Tract	310400

Historic Designation

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.

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 Record	Individual Name on Record
Mailing Address	810 N 3RD ST, SAINT CHARLES, MO 63301-2045
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2017 · Amount on Record
Deed Sale	Jun 30, 2017 · Amount on Record
Prior Sale	Jul 29, 2002
Deed Document Number	0067671064
Deed Book / Page	6767 / 1064
Record Updated	Jun 8, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 30, 2017
Property Address	810 N 3RD ST, SAINT CHARLES, MO 63301-2045
Document Number	0067671064
Book / Page	6767 / 1064
Instrument Date	Jun 27, 2017
Instrument	20170630000400370
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 N 3RD ST, SAINT CHARLES, MO 63301-2045

Mortgage

Document Number	20170630000400380
Date	Jun 30, 2017
Instrument	20170630000400380

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2037

Tax Assessment & Valuation

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

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
2025	$2,114.00	$33,551 (+6.86%)	$176,585 (+6.86%) Land $50,000 Building $126,585
2023		$31,398
2022			$165,255 Land $37,500 Building $127,755

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 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

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.

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 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