St. Charles County property record for 1040 Madison St, Saint Charles, MO 63301 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Architecture Style | Ranch |
| Year Built | Built 1920 |
| Square Footage | 1,410 sqft Living Area |
| Lot Size | 5,933 sqft (0.136 acres) |
| Occupancy | Owner Occupied |
| Primary APN | 025390A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,410 sqft Living Area |
| Gross Area | 2,513 sqft Gross Area |
| 1st Floor | 1,410 sqft 1st Floor |
| Basement Area | 1,103 sqft Basement |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Ranch Style |
| Exterior Material | Wood Exterior |
| Roof Construction | Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 5,933 sqft (0.136 acres) |
| Depth X Width | 133 ft x 42 ft Depth x Width |
| Porch | Open Porch |
| Porch Area | 108 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 025390A000 |
|---|---|
| Street Address | 1040 MADISON ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2772 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PT CITY BLK 266 |
| Legal Subdivision | BOON SURV/STCHARLES COMMONS |
| Legal Block | 266 |
| Legal Lot Number | 20 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | LINDENWOOD |
| Census Blockgroup | 1 |
| Census Block | 1029 |
| Census Tract | 310502 |
Source: St. Charles County records · APN 025390A000
Assessment roll updated August 7, 2026 · Last verified August 2026
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 | 1040 MADISON ST, SAINT CHARLES, MO 63301-2772 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Mar 02, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1040 MADISON ST, SAINT CHARLES, MO 63301-2772 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE INSURAN |
| Name | Verified Name |
|---|
| Document Number | 0068960290 |
|---|---|
| Date | Mar 26, 2018 |
| Book Page | 6896/0290 |
| Instrument | 20180326000158820 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 01, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1040 MADISON ST, SAINT CHARLES, MO 63301-2772 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0072400924 |
|---|---|
| Date | Mar 02, 2020 |
| Book Page | 7240/924 |
| Instrument | 20200302000127340 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 01, 2035 |
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $33,435 (+4.26%) | $175,972 (+4.25%) Land $28,572 Building $147,400 |
| 2023 | $32,070 | |
| 2022 | $168,790 Land $21,429 Building $147,361 |
1040 Madison St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · St. Charles County (29183C), updated August 25, 2024
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release
| 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.
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