1504 Elm St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1504 Elm St, Saint Charles, MO 63301

Property Summary

Property Type	Commercial
Details	7,485 sqft · built 1960
Lot Size	0.439 acres (19,162 sqft)
Owner	Trust Name on File
Last Sale	$460,000 (Jul 2017)
Tax Bill	$13,454 (2025)
Deeds & Mortgages	Oct 2019 Construction Loan Aug 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026840A000`

Property Details

APN / Parcel Number

Primary APN	`026840A000`
Alternative APN	`6-009A-4499-04-0004.0000000`

Interior

Stories	1 Story
Building Area	7,485 sqft Total Area
1st Floor Area	7,485 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1960
Architectural Style	Other
Exterior Material	Concrete Block
Lot Area	19,162 sqft
Lot Dimensions	143 ft deep x 134 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	026840A000
Old Parcel Number	026840A000
Street Address	1504 ELM ST
City	SAINT CHARLES
State	MO
Zip	63301-1799
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	AB2
Legal Description	PRAIRIE HAUTE ADDN BLK 4 LOTS 4 & 5
Legal Range	05E
Legal Township	47N
Legal Subdivision	PRAIRIE HAUTE ADDN
Legal Block	4
Legal Lot Number	4 5
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1044
Census Tract	310302

Owner

1504 Elm St, a commercial property, is held in a trust since July 2017.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Trust Name on File
Mailing Address	300 S 2ND ST, SAINT CHARLES, MO 63301-3402
Owner Type	Individual
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2019	Deed of Trust, Mortgage · Construction Mortgage CITIZENS NATL BANK OF GREATER ST LOUIS
Aug 7, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS NATL BANK OF GREATER ST LOUIS
Feb 1, 2020	Loan Modification, Mortgage NOT AVAILABLE
Jul 11, 2017	Warranty Deed, Transfer FREEDOM TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2017 · Amount on File
Deed Sale	Jul 11, 2017 · Amount on File
Prior Sale	Jun 15, 2004 · Amount on File
Deed Document Number	0067721857
Deed Book / Page	6772 / 1857
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1504 ELM ST, SAINT CHARLES, MO 63301-1799
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071590066
Date	Oct 9, 2019
Book Page	7159/0066
Instrument	20191009000563710

Lender

Name	CITIZENS NATL BANK OF GREATER ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63143

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1504 ELM ST, SAINT CHARLES, MO 63301-1799
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069591830
Date	Aug 7, 2018
Book Page	6959/1830
Instrument	20180807000449740

Lender

Name	CITIZENS NATL BANK OF GREATER ST LOUIS
Type	Bank
Address	SAINT CHARLES, MO 63303

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Aug 1, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	1504 ELM ST, SAINT CHARLES, MO 63301-1799
Document Number	0072612002
Instrument Date	Feb 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	300 S 2ND ST ST CHARLES MO 633013402, ST CHARLES, MO 63301-3402

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 11, 2017
Property Address	1504 ELM ST, SAINT CHARLES, MO 63301-1799
Document Number	0067721857
Book / Page	006772 / 001857
Instrument Date	Jul 6, 2017
Instrument	425980
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	1504 ELM ST ST CHARLES MO 633011799, ST CHARLES, MO 63301-1799

Tax Assessment & Valuation

The 2025 property tax bill for 1504 Elm St was $13,454.

Source: St. Charles County assessment roll, as of July 1, 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	$13,454.00	$199,677	$623,990 Land $184,434 Building $439,556
2023		$199,677
2022			$623,990 Land $184,434 Building $439,556

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

FEMA maps place 1504 Elm St in Zone X, an area of minimal flood risk, though there have been 63 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	63 (1979–2022)
Claims Outside the SFHA	3 of 63
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 9 claims Flooding, Jun 2011 · 6 claims Severe Storms & Flooding, Aug 1993 · 30 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

The area around 1504 Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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.

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