St. Charles County property record for 12 Main St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,332 sqft · built 1897 |
| Lot Size | 0.424 acres (18,480 sqft) |
| Owner | Company Name on File |
| Last Sale | $85,000 (Feb 2007) |
| Tax Bill | $979 (2025) |
| Deeds & Mortgages | Dec 2020 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 879930A000 |
| Primary APN | 879930A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| Gross Area | 1,812 sqft |
| 1st Floor Area | 1,332 sqft |
| Basement Area | 480 sqft |
| Year Built | Built 1897 |
|---|---|
| Effective Year Built | Effective 1897 |
| Architectural Style | Multi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,480 sqft (0.424 acres) |
| Lot Dimensions | 140 ft deep x 132 ft wide |
| Porch | Open Porch |
| Porch Area | 114 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 879930A000 |
|---|---|
| Street Address | 12 MAIN ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-6332 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | TOWN OF ORCHARD FARM LOTS 12 & 13 |
| Legal Subdivision | ORCHARD FARM TOWN |
| Legal Lot Number | 12 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 3 |
| Census Block | 3064 |
| Census Tract | 310100 |
12 Main St is owned by a company that bought it in February 2007.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 178 BELLE MAISON CT, SAINT LOUIS, MO 63141-8126 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 2, 2007 · Amount on File |
| Deed Sale | Feb 2, 2007 · Amount on File |
| Deed Document Number | 200794270 |
| Deed Book / Page | 4679 / 2416 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 21, 2020 |
| Property Address | 12 MAIN ST, SAINT CHARLES, MO 63301-6332 |
| Document Number | 0000100129 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 100129 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2021 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 178 BELLE MAISON CT CREVE COEUR MO 631418126, CREVE COEUR, MO 63141-8126 |
| Document Number | 100130 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 100130 |
| Name | MIDWEST BANKCENTRE |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63125 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 12 Main St was $979, down 3.4% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $15,957 (-) | $83,984 (-) Land $13,000 Building $70,984 | |
| 2025 | $979.00 (-3.36%) | $15,957 | $83,984 Land $13,000 Building $70,984 |
| 2024 | $1,013.00 | ||
| 2023 | $16,074 | ||
| 2022 | $84,597 Land $13,000 Building $71,597 |
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 12 Main St in Zone X, an area of moderate flood risk, though there have been 1,900 flood claims nearby since 1978.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 132 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 132 in force |
| Nearby Flood Claims | 1,900 (1978–2026) |
| Claims Outside the SFHA | 82 of 1,900 |
| Most Recent Claim | Apr 2026 · rainfall accumulation |
| 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 12 Main St is low, with 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 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Brown Dog Networks Fixed Wireless | 50 / 10 |
| Wisper ISP Fixed Wireless | 50 / 5 |
| Rally Networks DSL | 25 / 3 |
May also be available: Verizon.
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