St. Charles County property record for 2003 N 5th St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,355 sqft · built 2017 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Jan 2018) |
| Tax Bill | $2,872 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Jan 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 081290A000 |
| Primary APN | 081290A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,355 sqft Living Area |
| Gross Area | 2,710 sqft |
| 1st Floor Area | 1,355 sqft |
| Basement Area | 1,355 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,000 sqft (0.161 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | 081290A000 |
|---|---|
| Street Address | 2003 N 5TH ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | ROOSEVELT PL BLK 3 LOT 5 |
| Legal Subdivision | ROOSEVELT PL |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 310400 |
2003 N 5th St is owned and occupied by two individuals who acquired it in June 2022.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2003 N 5TH ST, SAINT CHARLES, MO 63301-0909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 8, 2022 | Intrafamily Transfer, Transfer · Line of Credit MIDWEST BANK CENTRE |
| Jan 8, 2018 | Warranty Deed, Transfer HABITAT/HUMANITY/ST CHARLES CN |
| Mar 10, 2017 | Deed of Trust, Mortgage · Line of Credit MISCELLANEOUS GOVT AGCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2018 · Amount on File |
| Deed Sale | Jan 8, 2018 · Amount on File |
| Prior Sale | Apr 1, 2003 · Amount on File |
| Deed Document Number | 201812680 |
| Deed Book / Page | 6864 / 141 |
| Last Transfer Date | Jun 16, 2022 |
| Transfer Doc | 0000037937 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 8, 2022 |
| Property Address | 2003 N 5TH ST, SAINT CHARLES, MO 63301-0909 |
| Document Number | 0000037937 |
| Map Reference | MB 3 PG 42 |
| Instrument Date | Jun 16, 2022 |
| Instrument | 2022R-037937 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2022 |
| Title Company | BRED TITLE AGENCY, BLEND TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2003 N 5TH ST, 2003, SAINT CHARLES, MO 63301-0909 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2003 N 5TH ST, SAINT CHARLES, MO 63301-0909 |
| Document Number | 0000037951 |
|---|---|
| Date | Jul 8, 2022 |
| Instrument | 2022R-037951 |
| Name | MIDWEST BANK CENTRE |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Jun 28, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 8, 2018 |
| Property Address | 2003 N 5TH ST, SAINT CHARLES, MO 63301-0909 |
| Document Number | 0068640141 |
| Book / Page | 006864 / 000141 |
| Instrument Date | Dec 15, 2017 |
| Instrument | 12680 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2003 N 5TH ST ST CHARLES MO 633010909, ST CHARLES, MO 63301-0909 |
| Document Number | 68640144 |
|---|---|
| Date | Jan 8, 2018 |
| Book Page | 006864/000144 |
| Instrument | 12690 |
| Name | HABITAT/HUMANITY/ST CHARLES CN |
|---|---|
| Address | 2041 TRADE CENTER DR E, ST PETERS, MO 63376-1287 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 7, 2048 |
| Rate | 10% |
|---|
| Document Number | 68640154, |
|---|---|
| Date | Jan 8, 2018 |
| Book Page | 006864/000154 |
| Instrument | 12700 |
| Name | HABITAT/HUMANITY/ST CHARLES CN |
|---|---|
| Address | 2041 TRADE CENTER DR E, ST PETERS, MO 63376-1287 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 7, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2003 N 5TH ST, SAINT CHARLES, MO 63301-0909 |
| Document Number | 0067132165 |
| Book / Page | 006713 / 002165 |
| Instrument Date | Mar 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 186 MID RIVERS CTR ST PETERS MO 633764382, ST PETERS, MO 63376-4382 |
| Document Number | 0067132165 |
|---|---|
| Date | Mar 20, 2017 |
| Book Page | 006713/002165 |
| Instrument | 162810 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | CLAYTON, MO 63105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 2003 N 5th St was $2,872.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $45,760 (-) | $240,844 (-) Land $40,000 Building $200,844 | |
| 2025 | $2,872.00 | $45,760 | $240,844 Land $40,000 Building $200,844 |
| 2023 | $42,828 | ||
| 2022 | $225,412 Land $30,000 Building $195,412 |
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 2003 N 5th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 55 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 89 (1979–2022) |
| Claims Outside the SFHA | 19 of 89 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| 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 2003 N 5th 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 354 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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