St. Charles County property record for 914 S 3rd St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,822 sqft · built 1880 |
| Lot Size | 0.167 acres (7,280 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Sep 2018) |
| Tax Bill | $2,802 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 006300A000 |
| Primary APN | 006300A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,822 sqft Living Area |
| Gross Area | 2,046 sqft |
| 1st Floor Area | 1,822 sqft |
| Basement Area | 224 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,280 sqft (0.167 acres) |
| Lot Dimensions | 140 ft deep x 52 ft wide |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 188 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 006300A000 |
|---|---|
| Street Address | 914 S 3RD ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA5 |
| Legal Description | PT CITY BLK 78 |
| Legal Subdivision | CITY/ST CHARLES |
| Legal Block | 78 |
| Legal Lot Number | 6 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2045 |
| Census Tract | 310502 |
Source: St. Charles County records · APN 006300A000
Assessment roll updated August 13, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 914 S 3RD ST, SAINT CHARLES, MO 63301-2402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 23, 2020 | Deed of Trust, Mortgage GUILD MTG |
| Sep 19, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 19, 2018 · Amount on Record |
| Deed Sale | Sep 19, 2018 · Amount on Record |
| Prior Sale | Jul 26, 2016 |
| Deed Document Number | 2018538020 |
| Deed Book / Page | 6979 / 644 |
| Prior Transfer Date | Jul 22, 2016 |
| Prior Transfer Doc | 0065800901 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 914 S 3RD ST, SAINT CHARLES, MO 63301-2402 |
| Document Number | 0000081540 |
| Instrument Date | Oct 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 914 S 3RD ST ST CHARLES MO 633012402, ST CHARLES, MO 63301-2402 |
| Document Number | 0000081540 |
|---|---|
| Date | Oct 26, 2020 |
| Instrument | 81540 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 25, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 19, 2018 |
| Property Address | 914 S 3RD ST, SAINT CHARLES, MO 63301-2402 |
| Document Number | 0069790644 |
| Book / Page | 6979 / 0644 |
| Instrument Date | Sep 18, 2018 |
| Instrument | 20180919000538020 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 914 S 3RD ST, SAINT CHARLES, MO 63301-2402 |
| Document Number | 20180919000538030 |
|---|---|
| Date | Sep 19, 2018 |
| Instrument | 20180919000538030 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,802.00 (+2.83%) | $44,633 (+5.34%) | $234,909 (+5.34%) Land $50,000 Building $184,909 |
| 2024 | $2,725.00 | ||
| 2023 | $42,371 | ||
| 2022 | $223,007 Land $37,500 Building $185,507 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 22 (1979–2022) |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 241 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES PWS serves 78,961 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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