1620 Watson St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1620 Watson St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,176 sqft · built 1926
Lot Size	0.356 acres (15,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Jun 2020)
Tax Bill	$6,444 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028260A000`

Property Details

APN / Parcel Number

Primary APN	`028260A000`
Alternative APN	`6-009B-4339-02-0004.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,176 sqft Living Area
Gross Area	4,919 sqft
1st Floor Area	3,176 sqft
Basement Area	1,743 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,500 sqft (0.356 acres)
Lot Dimensions	155 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	54 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	028260A000
Street Address	1620 WATSON ST
City	SAINT CHARLES
State	MO
Zip	63301-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF2
Legal Description	LINDENWOOD HGTS BLK 2 LOTS 4-5
Legal Subdivision	LINDENWOOD HGTS
Legal Block	2
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2023
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1620 WATSON ST, SAINT CHARLES, MO 63301-1607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2020 · Amount on Record
Deed Sale	Jun 3, 2020 · Amount on Record
Prior Sale	Jun 3, 2020 · Amount on Record
Deed Document Number	2020369090
Deed Book / Page	7311 / 1007
Prior Transfer Date	Apr 13, 2009
Prior Transfer Doc	0053071361
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 3, 2020
Property Address	1620 WATSON ST, SAINT CHARLES, MO 63301-1607
Document Number	0073111007
Book / Page	7311 / 1007
Map Reference	MB 3 PG 12
Instrument Date	May 27, 2020
Instrument	20200603000369090
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1620 WATSON ST, 1620, SAINT CHARLES, MO 63301-1607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 WATSON ST, SAINT CHARLES, MO 63301-1607

Mortgage

Document Number	20200603000369100
Date	Jun 3, 2020
Instrument	20200603000369100

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,293 (-)	$543,644 (-) Land $60,000 Building $483,644
2025	$6,444.00 (+2.89%)	$103,293 (+5.37%)	$543,644 (+5.37%) Land $60,000 Building $483,644
2024	$6,263.00
2023		$98,033
2022			$515,958 Land $45,000 Building $470,958

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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