1026 Madison St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1026 Madison St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,484 sqft · built 1920
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Tax Bill	$2,300 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`025350A000`

Property Details

APN / Parcel Number

Primary APN	`025350A000`
Alternative APN	`6-009C-B266-00-0023.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,484 sqft Living Area
Gross Area	2,544 sqft
1st Floor Area	1,484 sqft
Basement Area	1,060 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Multi-Level
Exterior Material	Shingles
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	392 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	340 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	025350A000
Street Address	1026 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 Block	266
Legal Lot Number	23
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 7, 2026

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

Owner of Record	Individual Name on File
Mailing Address	1026 MADISON ST, SAINT CHARLES, MO 63301-2772
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS MORTGAGE
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Mar 28, 2022	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Mar 25, 2022
Transfer Doc	0000017675
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1026 MADISON ST, SAINT CHARLES, MO 63301-2772
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 MADISON ST, SAINT CHARLES, MO 63301-2772

Mortgage

Document Number	0000099682
Date	Dec 18, 2020
Instrument	2020R-099682

Lender

Name	REGIONS MORTGAGE
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	163 Months
Due	Jul 4, 2034

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1026 MADISON ST, SAINT CHARLES, MO 63301-2772
Transaction Type	Mortgage
Record Updated	Apr 8, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 MADISON ST, SAINT CHARLES, MO 63301-2772

Mortgage

Document Number	0000056456
Date	Jul 6, 2021
Instrument	2021R-056456

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

March 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 28, 2022
Property Address	1026 MADISON ST, SAINT CHARLES, MO 63301-2772
Document Number	0000017675
Map Reference	MB 158 PG 423
Instrument Date	Mar 25, 2022
Instrument	2022R-017675
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 MADISON ST, SAINT CHARLES, MO 63301-2772

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		$36,538 (-)	$192,302 (-) Land $28,572 Building $163,730
2025	$2,300.00	$36,538 (+4.15%)	$192,302 (+4.15%) Land $28,572 Building $163,730
2023		$35,081
2022			$184,638 Land $21,429 Building $163,209

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

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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