1504 Watson St, Saint Charles, MO 63301 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,255 sqft · built 1900
Lot Size	0.178 acres (7,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Jul 1998)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026510A000`

Property Details

APN / Parcel Number

Primary APN	`026510A000`
Alternative APN	`6-009B-4339-01-0003.0000000`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,255 sqft Living Area
Gross Area	3,359 sqft
1st Floor Area	1,184 sqft
Basement Area	1,104 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Bi-Level
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,750 sqft (0.178 acres)
Lot Dimensions	155 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	168 sqft
Deck Area	Deck Area
Patio Area	422 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	026510A000
Street Address	1504 WATSON ST
City	SAINT CHARLES
State	MO
Zip	63301-1606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF2
Legal Description	LINDENWOOD HTGS BLK 1 LOT 3
Legal Subdivision	LINDENWOOD HGTS
Legal Block	1
Legal Lot Number	3
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2036
Census Tract	310601

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lindenwood Neighborhood Historic District listed 2016 · 109 contributing resources · NRIS 16000728

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: St. Charles County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1504 WATSON ST, SAINT CHARLES, MO 63301-1606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK OF ST LOUIS
Dec 13, 2018	Deed of Trust, Mortgage CENTRAL BK/ST LOUIS
Dec 13, 2018	Deed of Trust, Mortgage CENTRAL BK/ST LOUIS
Dec 13, 2018	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 1998 · Amount on Record
Deed Sale	Jul 1, 1998 · Amount on Record
Deed Document Number	199851498
Deed Book / Page	2095 / 1182
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1504 WATSON ST, SAINT CHARLES, MO 63301-1606
Transaction Type	Mortgage
Record Updated	Apr 7, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1504 WATSON ST, SAINT CHARLES, MO 63301-1606

Mortgage

Document Number	2021R025312
Date	Mar 23, 2021
Instrument	2021R-025312

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1504 WATSON ST, SAINT CHARLES, MO 63301-1606
Document Number	0070161211
Instrument Date	Dec 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1504 WATSON ST ST CHARLES MO 633011606, ST CHARLES, MO 63301-1606

Mortgage

Document Number	0070161211
Date	Dec 19, 2018
Book Page	007016/001211
Instrument	706920

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1504 WATSON ST, SAINT CHARLES, MO 63301-1606
Document Number	0070161230
Instrument Date	Dec 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1504 WATSON ST ST CHARLES MO 633011606, ST CHARLES, MO 63301-1606

Mortgage

Document Number	0070161230
Date	Dec 19, 2018
Book Page	007016/001230
Instrument	706930

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1504 WATSON ST, SAINT CHARLES, MO 63301-1606
Document Number	0070161559
Instrument Date	Dec 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 9, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1504 WATSON ST ST CHARLES MO 633011606, ST CHARLES, MO 63301-1606

Mortgage

Document Number	0070161559
Date	Dec 19, 2018
Book Page	007016/001559
Instrument	707390

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 18, 2038

Interest

Rate Type	Adjustable Rate

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	Assessed Value	Assessed Market Value
2026	$63,416 (-0.75%)	$333,771 (-0.75%) Land $40,000 Building $293,771
2023	$63,895
2022		$336,285 Land $30,000 Building $306,285

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

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	1 in force
Nearby Flood Claims	7 (1979–2017)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Apr 2017

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

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 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

May also be available: T-Mobile.

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