1002 N 5th St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1002 N 5th St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,040 sqft · built 1965
Lot Size	0.203 acres (8,835 sqft)
Owner	2 Individual Names on File
Last Sale	$136,000 (Jul 2005)
Tax Bill	$2,307 (2025)
Deeds & Mortgages	May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010370A000`

Property Details

APN / Parcel Number

Primary APN	`010370A000`
Alternative APN	`6-009A-B118-00-0005.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	2,080 sqft
1st Floor Area	1,040 sqft
Basement Area	800 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,835 sqft (0.203 acres)
Lot Dimensions	155 ft deep x 57 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	010370A000
Street Address	1002 N 5TH ST
City	SAINT CHARLES
State	MO
Zip	63301-1941
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF2
Legal Description	PT CITY BLK 118
Legal Subdivision	CITY/ST CHARLES
Legal Block	118
Legal Lot Number	5
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2078
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

1002 N 5th St is owned and occupied by two individuals who bought it in July 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	1002 N 5TH ST, SAINT CHARLES, MO 63301-1941
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2005 · Amount on File
Deed Sale	Jul 12, 2005 · Amount on File
Deed Document Number	2005631750
Deed Book / Page	4227 / 1201
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1002 N 5TH ST, SAINT CHARLES, MO 63301-1941
Document Number	0069180811
Instrument Date	May 7, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1002 N 5TH ST ST CHARLES MO 633011941, ST CHARLES, MO 63301-1941

Mortgage

Document Number	0069180811
Date	May 14, 2018
Book Page	006918/000811
Instrument	263930

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 13, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1002 N 5th St was $2,307.

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		$36,646 (-)	$192,874 (-) Land $50,000 Building $142,874
2025	$2,307.00	$36,646	$192,874 Land $50,000 Building $142,874
2023		$34,400
2022			$181,054 Land $37,500 Building $143,554

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 1002 N 5th 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 1002 N 5th 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