1020 Madison St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1020 Madison St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,619 sqft · built 1933
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Jul 2019)
Tax Bill	$2,008 (2025)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`025330A000`

Property Details

APN / Parcel Number

Primary APN	`025330A000`
Alternative APN	`6-009C-B266-00-0025.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,619 sqft Living Area
Gross Area	2,038 sqft
1st Floor Area	1,019 sqft
Basement Area	1,019 sqft
Finished Basement	600 sqft
Unfinished Basement	419 sqft

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1933
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	147 ft deep x 48 ft wide
Porch	Open Porch
Porch Area	198 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	025330A000
Street Address	1020 MADISON ST
City	SAINT CHARLES
State	MO
Zip	63301-2772
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT CITY BLK 266
Legal Subdivision	CITY/STCHARLES
Legal Block	266
Legal Lot Number	25
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	1
Census Block	1029
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 assessment roll, as of August 13, 2025

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	1020 MADISON ST, SAINT CHARLES, MO 63301-2772
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 23, 2019 · Amount on Record
Deed Sale	Jul 23, 2019 · Amount on Record
Prior Sale	Jan 15, 2016 · Amount on Record
Deed Document Number	2019374820
Deed Book / Page	7109 / 910
Prior Transfer Date	Nov 30, 1999
Prior Transfer Doc	0023370188
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 23, 2019
Property Address	1020 MADISON ST, SAINT CHARLES, MO 63301-2772
Document Number	0071090910
Book / Page	7109 / 0910
Instrument Date	Jun 24, 2019
Instrument	20190723000374820
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 MADISON ST, SAINT CHARLES, MO 63301-2772

Mortgage

Document Number	20190723000374830
Date	Jul 23, 2019
Instrument	20190723000374830

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jul 1, 2024
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	5-Year CMT
Margin	2
Max Rate	10.7%

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$2,008.00 (+1.98%)	$31,843 (+4.51%)	$167,589 (+4.51%) Land $28,572 Building $139,017
2024	$1,969.00
2023		$30,469
2022			$160,362 Land $21,429 Building $138,933

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

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 630 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, 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

May also be available: T-Mobile USA.

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