St. Charles County property record for 2005 Elm St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,680 sqft · built 1950 |
| Lot Size | 0.339 acres (14,758 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,218 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Dec 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | T200700140 |
| Primary APN | T200700140 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| Gross Area | 2,520 sqft |
| 1st Floor Area | 1,260 sqft |
| Basement Area | 1,260 sqft |
| Finished Basement | 420 sqft |
| Unfinished Basement | 840 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,758 sqft (0.339 acres) |
| Parking Spaces | 1 Parking Space |
| Account Number | T200700140 |
|---|---|
| Street Address | 2005 ELM ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1757 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SUR 179 PRAIRIE HAUTE COM FIELDS |
| Legal Lot Number | 4 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 310601 |
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 | 2005 ELM ST, SAINT CHARLES, MO 63301-1757 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2026 | Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
| Dec 23, 2020 | Warranty Deed, Transfer SELECT TITLE GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2020 |
| Deed Sale | Dec 23, 2020 |
| Prior Sale | Oct 28, 2020 · Amount on Record |
| Deed Document Number | 2020101439 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 26, 2026 |
| Property Address | 2005 ELM ST, SAINT CHARLES, MO 63301-1757 |
| Document Number | 0000040891 |
| Instrument Date | Aug 17, 2026 |
| Instrument | 202640891 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | N TITLE COMPANY, COVIUS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2005 ELM ST, SAINT CHARLES, MO 63301-1757 |
| Document Number | 0000040891, |
|---|---|
| Date | Aug 26, 2026 |
| Instrument | 202640891 |
| Name | THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 17, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 23, 2020 |
| Property Address | 2005 ELM ST, SAINT CHARLES, MO 63301-1757 |
| Document Number | 0000101439 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 101439 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2021 |
| Title Company | SELECT TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2039 ELM ST ST CHARLES MO 633011757, ST CHARLES, MO 63301-1757 |
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 | $35,223 (-) | $185,381 (-) Land $45,000 Building $140,381 | |
| 2025 | $2,218.00 | $35,223 (-1%) | $185,381 (-1%) Land $45,000 Building $140,381 |
| 2023 | $35,578 | ||
| 2022 | $187,256 Land $45,000 Building $142,256 |
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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.
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 561 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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