St. Charles County property record for 16 Main St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,373 sqft · built 1920 |
| Lot Size | 0.209 acres (9,100 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $160,000 (Jul 2023) |
| Tax Bill | $1,593 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Jan 2021 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | 879990A000 |
| Primary APN | 879990A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,373 sqft Living Area |
| Gross Area | 2,597 sqft |
| 1st Floor Area | 1,373 sqft |
| Basement Area | 1,224 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,100 sqft (0.209 acres) |
| Lot Dimensions | 140 ft deep x 65 ft wide |
| Porch | Open Porch |
| Porch Area | 186 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 879990A000 |
|---|---|
| Street Address | 16 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 LOT 16 & PT LOT 15 |
| Legal Subdivision | ORCHARD FARM TOWN |
| Legal Lot Number | 16 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 3 |
| Census Block | 3064 |
| Census Tract | 310100 |
Source: St. Charles County records, as of September 10, 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 Record |
|---|---|
| Mailing Address | 16 MAIN ST, SAINT CHARLES, MO 63301-6332 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2023 | Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC |
| Jan 20, 2021 | Warranty Deed, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2023 · Amount on Record |
| Deed Sale | Jul 20, 2023 · Amount on Record |
| Prior Sale | Aug 31, 2022 · Amount on Record |
| Deed Document Number | 202328845 |
| Prior Transfer Date | Sep 4, 2013 |
| Prior Transfer Doc | 0000716690 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 20, 2023 |
| Property Address | 16 MAIN ST, SAINT CHARLES, MO 63301-6332 |
| Document Number | 0000028845 |
| Instrument Date | Jul 14, 2023 |
| Instrument | 2023R-028845 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3023 N SAINT PETERS PKWY, SAINT PETERS, MO 63376-7362 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 16 MAIN ST, SAINT CHARLES, MO 63301-6332 |
| Document Number | 0000028846 |
|---|---|
| Date | Jul 20, 2023 |
| Instrument | 2023R-028846 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 20, 2021 |
| Property Address | 16 MAIN ST, SAINT CHARLES, MO 63301-6332 |
| Document Number | 0000005387 |
| Instrument Date | Jan 14, 2021 |
| Instrument | 5387 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2021 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3023 HWY 94 S ST PETERS MO 63376, ST PETERS, MO 63376 |
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 | $25,948 (-) | $136,572 (-) Land $10,000 Building $126,572 | |
| 2025 | $1,593.00 (-0.38%) | $25,948 (+2.31%) | $136,572 (+2.31%) Land $10,000 Building $126,572 |
| 2024 | $1,599.00 (+54.49%) | ||
| 2023 | $25,362 (+58.94%) | ||
| 2022 | $1,035.00 | $15,957 | $133,483 (+58.94%) Land $10,000 Building $123,483 |
| 2021 | $83,985 Land $10,000 Building $73,985 |
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.
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 Record 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.
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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