St. Charles County property record for 816 N 3rd St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 951 sqft · built 1880 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $230,280 (Feb 2024) |
| Tax Bill | $1,572 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage May 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 005120A000 |
| Primary APN | 005120A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 951 sqft Living Area |
| Gross Area | 1,504 sqft |
| 1st Floor Area | 951 sqft |
| Basement Area | 553 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,600 sqft (0.22 acres) |
| Lot Dimensions | 150 ft deep x 64 ft wide |
| Terrain | Rolling |
| Porch | Open Porch |
| Porch Area | 114 sqft |
| Patio Area | 48 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 005120A000 |
|---|---|
| Street Address | 816 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 Subdivision | CITY/ST CHARLES |
| Legal Block | 62 |
| Legal Lot Number | 3 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1005 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 816 N 3RD ST, SAINT CHARLES, MO 63301-2045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 15, 2024 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 26, 2023 | Special Warranty Deed, Transfer INVESTORS TITLE COMPANY |
| Oct 5, 2022 | Intrafamily Transfer, Transfer |
| Sep 6, 2022 | Public Action, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 15, 2024 · Amount on Record |
| Deed Sale | Feb 15, 2024 · Amount on Record |
| Prior Sale | May 26, 2023 · Amount on Record |
| Deed Document Number | 20246027 |
| Prior Transfer Date | Feb 8, 2024 |
| Prior Transfer Doc | 0000006027 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 15, 2024 |
| Property Address | 816 N 3RD ST, SAINT CHARLES, MO 63301-2045 |
| Document Number | 0000006027 |
| Instrument Date | Feb 8, 2024 |
| Instrument | 2024R-006027 |
| Transaction Type | Transfer |
| Record Updated | Feb 29, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 816 N 3RD ST, SAINT CHARLES, MO 63301-2045 |
| Name | Verified Name |
|---|---|
| Address | 816 N 3RD ST, SAINT CHARLES, MO 63301-2045 |
| Document Number | 0000006028 |
|---|---|
| Date | Feb 15, 2024 |
| Instrument | 2024R-006028 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 26, 2023 |
| Property Address | 816 N 3RD ST, SAINT CHARLES, MO 63301-2045 |
| Document Number | 0000020170 |
| Instrument Date | May 24, 2023 |
| Instrument | 2023R-020170 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2023 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1266 W PACES FERRY RD NW # NW517, NW517, ATLANTA, GA 30327-2306 |
| Name | Verified Name |
|---|---|
| Address | 778 COURTHOUSE RD, STAFFORD, VA 22554-7002 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 5, 2022 |
| Property Address | 816 N 3RD ST, SAINT CHARLES, MO 63301-2045 |
| Document Number | 0000054799 |
| Instrument Date | Oct 3, 2022 |
| Instrument | 2022R-054799 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1266 W PACES FERRY RD NW # 517, 517, ATLANTA, GA 30327-2306 |
| Document Type | Public Action |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 6, 2022 |
| Property Address | 816 N 3RD ST, SAINT CHARLES, MO 63301-2045 |
| Document Number | 0000049188 |
| Instrument Date | Aug 31, 2022 |
| Instrument | 2022R-049188 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Tax Sale |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3000 NE BROOKTREE LN STE 100, 100, KANSAS CITY, MO 64119-1861 |
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 | $24,807 (-) | $130,560 (-) Land $50,000 Building $80,560 | |
| 2025 | $1,572.00 (+5.93%) | $24,807 (+8.63%) | $130,560 (+8.62%) Land $50,000 Building $80,560 |
| 2024 | $1,484.00 | ||
| 2023 | $22,837 | ||
| 2022 | $120,194 Land $37,500 Building $82,694 |
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.
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 670 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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