St. Charles County property record for 920 N 3rd St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,445 sqft · built 1812 |
| Lot Size | 0.169 acres (7,350 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,208 (2025) |
| Deeds & Mortgages | Jan 2021 Line of Credit Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 005020A000 |
| Primary APN | 005020A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,445 sqft Living Area |
| Gross Area | 2,645 sqft |
| 1st Floor Area | 1,445 sqft |
| Basement Area | 1,200 sqft |
| Year Built | Built 1812 |
|---|---|
| Effective Year Built | Effective 1812 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,350 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 49 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 50 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 005020A000 |
|---|---|
| Street Address | 920 N 3RD ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2047 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF2 |
| Legal Description | PT CITY BLK 61 |
| Legal Subdivision | CITY/ST CHARLES |
| Legal Block | 61 |
| Legal Lot Number | 3 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2087 |
| Census Tract | 310400 |
Source: St. Charles County records · APN 005020A000
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 920 N 3RD ST, SAINT CHARLES, MO 63301-2047 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 07, 2021 | Deed of Trust, Mortgage · Line of Credit US BK |
| Jan 07, 2021 | Deed of Trust, Mortgage US BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 15, 2020 |
| Deed Sale | Jul 15, 2020 |
| Prior Sale | Mar 02, 2009 · Amount on Record |
| Deed Document Number | 2020493680 |
| Deed Book / Page | 7345 / 1699 |
| Prior Transfer Date | Feb 18, 2009 |
| Prior Transfer Doc | 0051281239 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 920 N 3RD ST, SAINT CHARLES, MO 63301-2047 |
| Document Number | 0000009049 |
| Instrument Date | Jan 07, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Apr 05, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 920 N 3RD ST ST CHARLES MO 633012047, ST CHARLES, MO 63301-2047 |
| Document Number | 0000009049 |
|---|---|
| Date | Jan 29, 2021 |
| Instrument | 9049 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63124 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 920 N 3RD ST, SAINT CHARLES, MO 63301-2047 |
| Document Number | 0000008937 |
| Instrument Date | Jan 07, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Apr 05, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 920 N 3RD ST ST CHARLES MO 633012047, ST CHARLES, MO 63301-2047 |
| Document Number | 0000008937 |
|---|---|
| Date | Jan 29, 2021 |
| Instrument | 8937 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63124 |
| Amount | Amount Recorded |
|---|
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,208.00 (+2.2%) | $51,167 (+4.66%) | $269,304 (+4.66%) Land $50,000 Building $219,304 |
| 2024 | $3,139.00 (+9.22%) | ||
| 2023 | $48,888 (+16.98%) | ||
| 2022 | $2,874.00 | $41,790 | $257,310 (+16.99%) Land $37,500 Building $219,810 |
| 2021 | $219,945 Land $37,500 Building $182,445 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
| 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 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: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 670 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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