101 Charlotte St, Berger, MO 63014 Property Records

Franklin County property record for 101 Charlotte St, Berger, MO 63014

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 684 sqft · built 1898
Lot Size	0.8 acres (34,848 sqft)
Owner	Company Name on File
Tax Bill	$526 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Sep 2022 Foreclosure + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-1-02.0-4-002-097.000`

Property Details

APN / Parcel Number

Primary APN	`03-1-02.0-4-002-097.000`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	684 sqft Living Area

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Construction Type	Frame
Lot Area	34,848 sqft (0.8 acres)
Patio Area	255 sqft
Shed	1 Shed

Location & Zoning

Street Address	101 CHARLOTTE ST
City	BERGER
State	MO
Zip	63014-1122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AN
Legal Description	LOT:10,11,12&13 F E EBERHARDT ADDITION
Legal Range	4W
Legal Township	45N
Legal Section	02
Legal Subdivision	F E EBERHARDT
Legal Lot Number	10-13
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOEUF
Census Block Group	1
Census Block	1041
Census Tract	800401

Owner

101 Charlotte St is owned by a company that acquired it in September 2022.

Source: Franklin County records, as of November 11, 2025

Owner of Record	Company Name on File
Mailing Address	PO BOX 2382, WASHINGTON, MO 63090-9382
Owner Type	Company
Vesting	Company

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

Date	Document
Oct 17, 2022	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK
Sep 15, 2022	Public Action, Foreclosure
Dec 11, 2017	Deed of Trust, Mortgage · Line of Credit PEOPLES SVGS BK/RHINELAND
Oct 19, 2017	Deed of Trust, Mortgage · Line of Credit PEOPLES SVGS BK/RHINELAND
Mar 8, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2022
Deed Sale	Sep 15, 2022
Prior Sale	Aug 23, 2022
Deed Document Number	202214399
Prior Transfer Date	Aug 24, 2022
Prior Transfer Doc	0000014399
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	101 CHARLOTTE ST, BERGER, MO 63014-1122
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002215781
Date	Oct 17, 2022
Instrument	2215781

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 13, 2032

Interest

Rate Type	Fixed Rate

September 2022: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	FRANKLIN MO
Recording Date	Sep 15, 2022
Property Address	101 CHARLOTTE ST, BERGER, MO 63014-1122
Document Number	0002214399
Map Reference	PB A PG 44
Instrument Date	Aug 24, 2022
Instrument	2214399
Transaction Type	Foreclosure
Record Updated	Oct 21, 2022

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6370 BLUFF RD, WASHINGTON, MO 63090-1011

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	101 CHARLOTTE ST, BERGER, MO 63014-1122
Document Number	0000019039
Instrument Date	Dec 11, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 CHARLOTTE ST BERGER MO 630141122, BERGER, MO 63014-1122

Mortgage

Document Number	0000019039
Date	Dec 18, 2017
Instrument	19039

Lender

Name	PEOPLES SVGS BK/RHINELAND
Type	Federal Savings Bank
Address	HERMANN, MO 65041

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	101 CHARLOTTE ST, BERGER, MO 63014-1122
Document Number	0000016543
Instrument Date	Oct 19, 2017
Transaction Type	Mortgage
Record Updated	Nov 3, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 CHARLOTTE ST BERGER MO 630141122, BERGER, MO 63014-1122

Mortgage

Document Number	0000016543
Date	Oct 30, 2017
Instrument	16543

Lender

Name	PEOPLES SVGS BK/RHINELAND
Type	Federal Savings Bank
Address	HERMANN, MO 65041

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Mar 8, 2017
Property Address	101 CHARLOTTE ST, BERGER, MO 63014-1122
Document Number	0000003374
Instrument Date	Mar 2, 2017
Instrument	3374
Transaction Type	Transfer
Record Updated	Mar 13, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 CHARLOTTE ST BERGER MO 630141122, BERGER, MO 63014-1122

Tax Assessment & Valuation

The 2025 property tax bill for 101 Charlotte St was $526.

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Berger City
County	Franklin County
Unified School District	Gasconade County R-I School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$526.00	$7,547	$39,720 Land $11,710 Building $28,010
2023	$758.00 (+18.25%)	$10,766	$56,660 Land $11,710 Building $44,950
2022	$641.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 101 Charlotte St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	15 (1993–2015)
Claims Outside the SFHA	1 of 15
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms & Flooding, Sep 1993 · 5 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 101 Charlotte St is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BERGER PWS serves 256 people · EPA ID MO6010064
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
AT&T Fixed Wireless	100 / 20
Sparklight DSL	25 / 3

May also be available: Brightspeed, FireServe.

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