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

St. Charles County property record for 914 N 3rd St, Saint Charles, MO 63301

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,432 sqft · built 1880
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on File
Last Sale	$204,600 (Oct 2020)
Tax Bill	$3,709 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`005010A000`

Property Details

APN / Parcel Number

Primary APN	`005010A000`
Alternative APN	`6-009A-B061-00-0004.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,432 sqft Living Area
Gross Area	3,078 sqft
1st Floor Area	1,824 sqft
Basement Area	1,254 sqft
Finished Basement	608 sqft
Unfinished Basement	646 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Duplex Single
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	150 ft deep x 48 ft wide
Porch	Open Porch
Porch Area	366 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	005010A000
Street Address	914 N 3RD ST
City	SAINT CHARLES
State	MO
Zip	63301-2047
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AF2
Legal Description	PT CITY BLK 61
Legal Subdivision	CITY/ST CHARLES
Legal Block	61
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2087
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

914 N 3rd St, a duplex, is owned and occupied by an individual who bought it in October 2020.

Source: St. Charles County records, as of August 7, 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	Individual Name on File
Mailing Address	914 N 3RD ST, SAINT CHARLES, MO 63301-2047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2020 · Amount on File
Deed Sale	Oct 13, 2020 · Amount on File
Prior Sale	Oct 13, 2020 · Amount on File
Deed Document Number	202077121
Prior Transfer Date	Jun 27, 2005
Prior Transfer Doc	0042151511
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 13, 2020
Property Address	914 N 3RD ST, SAINT CHARLES, MO 63301-2047
Document Number	0000077121
Instrument Date	Oct 6, 2020
Instrument	77121
Transaction Type	Transfer
Record Updated	Jan 29, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914-916 N 3RD ST ST CHARLES MO 633012047, ST CHARLES, MO 63301-2047

Mortgage

Document Number	77122
Date	Oct 13, 2020
Instrument	77122

Lender

Name	WEST CMNTY CU
Type	Credit Union
Address	O'FALLON, MO 63368

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 914 N 3rd St was $3,709, up 7.3% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$59,238 (-)	$311,779 (-) Land $45,000 Building $266,779
2025	$3,709.00 (+7.26%)	$59,238	$311,779 Land $45,000 Building $266,779
2024	$3,458.00
2023		$53,904
2022			$283,703 Land $45,000 Building $238,703

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

FEMA maps place 914 N 3rd St in Zone X, an area of minimal flood risk, though there have been 89 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
Flood Insurance Cost	Premium on File median of 55 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	89 (1979–2022)
Claims Outside the SFHA	19 of 89
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 4 claims Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Jun 2013 · 2 claims Severe Storms & Flooding, Sep 1993 · 55 claims

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

Wildfire risk around 914 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.

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 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