1012 1st Capitol Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1012 1st Capitol Dr, Saint Charles, MO 63301

Property Summary

Property Type	Commercial
Details	2,376 sqft · built 1930
Lot Size	0.43 acres (1,863 sqft)
Owner	Company Name on Record
Last Sale	$205,000 (Jan 2023)
Tax Bill	$3,384 (2025)
Deeds & Mortgages	Jan 2023 Mortgage May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`025120A000`

Property Details

APN / Parcel Number

Primary APN	`025120A000`
Alternative APN	`6-009C-B265-00-0010.0000000`

Interior

Stories	1 Story
Building Area	2,376 sqft Gross Area
1st Floor Area	1,276 sqft
Basement Area	1,100 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Brick
Roof Material	Built-Up Asphalt
Lot Area	1,863 sqft (0.43 acres)
Lot Dimensions	69 ft deep x 27 ft wide
Porch	Open Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	025120A000
Street Address	1012 1ST CAPITOL DR
City	SAINT CHARLES
State	MO
Zip	63301-2736
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	AB2
Legal Description	PT CITY BLK 265
Legal Subdivision	FLAIR FOREST 04
Legal Block	265
Legal Lot Number	10
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	1
Census Block	1094
Census Tract	310502

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Midtown Neighborhood Historic District listed 2014 · 537 contributing resources · NRIS 14000885

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1012 1ST CAPITOL DR, SAINT CHARLES, MO 63301-2736
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Warranty Deed, Transfer · Commercial Mortgage CNB BANK & TRUST NA
May 2, 2022	Warranty Deed, Transfer · Line of Credit FIRST STATE BANK OF ST CHARLES MO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2023 · Amount on Record
Deed Sale	Jan 18, 2023 · Amount on Record
Prior Sale	May 2, 2022 · Amount on Record
Deed Document Number	20232222
Prior Transfer Date	Sep 15, 2000
Prior Transfer Doc	0000056750
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 18, 2023
Property Address	1012 1ST CAPITOL DR, SAINT CHARLES, MO 63301-2736
Document Number	0000002222
Instrument Date	Jan 13, 2023
Instrument	2023R-002222
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	812 MIDPOINT DR, O FALLON, MO 63366-5945

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 1ST CAPITOL DR, SAINT CHARLES, MO 63301-2736

Mortgage

Document Number	0000002223
Date	Jan 18, 2023
Instrument	2023R-002223

Lender

Name	CNB BANK & TRUST NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 2, 2022
Property Address	1012 1ST CAPITOL DR, SAINT CHARLES, MO 63301-2736
Document Number	0000024975
Instrument Date	Apr 21, 2022
Instrument	2022R-024975
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 1ST CAPITOL DR, SAINT CHARLES, MO 63301-2736
Investor	Possibly a Property Investor

Mortgage

Document Number	0000024976
Date	May 2, 2022
Instrument	2022R-024976

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Apr 21, 2023

Tax Assessment & Valuation

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		$50,236 (-)	$156,989 (-) Land $43,120 Building $113,869
2025	$3,384.00 (+1.29%)	$50,236 (+3.55%)	$156,989 (+3.55%) Land $43,120 Building $113,869
2024	$3,341.00
2023		$48,515
2022			$151,609 Land $43,120 Building $108,489

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

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	17 (1980–2022)
Claims Outside the SFHA	3 of 17
Most Recent Claim	Aug 2022 · tidal / storm surge
Claims by Event	Severe Storms & Flooding, Aug 1993 · 10 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

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

Wildfire Risk	Not rated no burnable land within 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 241 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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