St. Charles County property record for 1132 S 2nd St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,292 sqft · built 1957 |
| Lot Size | 0.186 acres (8,120 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $174,225 (Nov 2025) |
| Tax Bill | $1,969 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jul 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 068480A000 |
| Primary APN | 068480A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,292 sqft Living Area |
| Gross Area | 1,584 sqft |
| 1st Floor Area | 792 sqft |
| Basement Area | 792 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Shingles |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,120 sqft (0.186 acres) |
| Lot Dimensions | 140 ft deep x 58 ft wide |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 068480A000 |
|---|---|
| Street Address | 1132 S 2ND ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | MONTGOMERY SUB LOT 20 |
| Legal Subdivision | MONTGOMERY SUB |
| Legal Lot Number | 20 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 310502 |
1132 S 2nd St is held in a trust since November 2025.
Source: St. Charles County records, as of September 11, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3908 LINE ST, SAINT PETERS, MO 63376-6710 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 21, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage STIFEL BANK & TRUST |
| Jul 25, 2019 | Warranty Deed, Transfer SELECT TITLE GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2025 · Amount on File |
| Deed Sale | Nov 21, 2025 · Amount on File |
| Prior Sale | Jul 25, 2019 · Amount on File |
| Deed Document Number | 202552692 |
| Prior Transfer Date | Nov 20, 2025 |
| Prior Transfer Doc | 0000116694 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 21, 2025 |
| Property Address | 1132 S 2ND ST, SAINT CHARLES, MO 63301-3502 |
| Document Number | 0000052692 |
| Map Reference | MB 5 PG 96 |
| Instrument Date | Nov 20, 2025 |
| Instrument | 2025R-052692 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE COMPANY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3908 LINE ST, SAINT PETERS, MO 63376-6710 |
| Name | Verified Name |
|---|---|
| Address | 3908 LINE ST, SAINT PETERS, MO 63376-6710 |
| Document Number | 0000052693 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 2025R-052693 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4% |
| Max Rate At Change | 8% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 11% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 25, 2019 |
| Property Address | 1132 S 2ND ST, SAINT CHARLES, MO 63301-3502 |
| Document Number | 0071110273 |
| Book / Page | 007111 / 000273 |
| Instrument Date | Jul 22, 2019 |
| Instrument | 381030 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2019 |
| Title Company | SELECT TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1132 S 2ND ST ST CHARLES MO 633013502, ST CHARLES, MO 63301-3502 |
The 2025 property tax bill for 1132 S 2nd St was $1,969, up 2.2% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $31,206 (-) | $164,244 (-) Land $50,000 Building $114,244 | |
| 2025 | $1,969.00 (+2.18%) | $31,206 | $164,244 Land $50,000 Building $114,244 |
| 2024 | $1,927.00 | ||
| 2023 | $29,808 | ||
| 2022 | $156,885 Land $37,500 Building $119,385 |
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.
FEMA maps place 1132 S 2nd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 22 (1979–2022) |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 1132 S 2nd St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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