St. Charles County property record for 2123 N 3rd St, Saint Charles, MO 63301
| Property Type | Commercial |
|---|---|
| Details | 6,468 sqft · built 1960 |
| Lot Size | 0.286 acres (12,460 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $5,973 (2025) |
| Deeds & Mortgages | Jun 2023 Sale Aug 2022 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 081770A000 |
| Primary APN | 081770A000 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 6,468 sqft Gross Area |
| 1st Floor Area | 6,468 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Metal |
| Roof Material | Composition Shingle |
| Lot Area | 12,460 sqft (0.286 acres) |
| Lot Dimensions | 140 ft deep x 89 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 081770A000 |
|---|---|
| Street Address | 2123 N 3RD ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0959 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | AE8 |
| Legal Description | ROOSEVELT PL ADDN BLK 6 LOT 1-2 |
| Legal Subdivision | ROOSEVELT PL ADDN |
| Legal Block | 6 |
| Legal Lot Number | 1 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 310400 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 1708 S 5TH ST, SAINT CHARLES, MO 63303-4107 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Jun 29, 2023 | Special Warranty Deed, Transfer |
| Aug 3, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF OLD MONROE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2023 |
| Deed Sale | Jun 29, 2023 |
| Prior Sale | Aug 3, 2022 · Amount on Record |
| Deed Document Number | 202325414 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 29, 2023 |
| Property Address | 2123 N 3RD ST, SAINT CHARLES, MO 63301-0959 |
| Document Number | 0000025414 |
| Map Reference | MB 3 PG 43 |
| Instrument Date | Jun 28, 2023 |
| Instrument | 2023R-025414 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1708 S 5TH ST, SAINT CHARLES, MO 63303-4107 |
| Name | Verified Name |
|---|---|
| Address | 1708 S 5TH ST, SAINT CHARLES, MO 63303-4107 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2123 N 3RD ST, SAINT CHARLES, MO 63301-0959 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1708 S 5TH ST, SAINT CHARLES, MO 63303-4107 |
| Document Number | 0000043253 |
|---|---|
| Date | Aug 3, 2022 |
| Instrument | 2022R-043253 |
| Name | BANK OF OLD MONROE |
|---|---|
| Type | Bank |
| Address | OLD MONROE, MO 63369 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $85,120 (-) | $266,000 (-) Land $85,662 Building $180,338 | |
| 2025 | $5,973.00 (+3.82%) | $85,120 (+6.03%) | $266,000 (+6.03%) Land $85,662 Building $180,338 |
| 2024 | $5,753.00 (+41.18%) | ||
| 2023 | $80,280 (+44.42%) | ||
| 2022 | $4,075.00 | $55,588 | $250,874 (+44.42%) Land $85,662 Building $165,212 |
| 2021 | $173,714 Land $85,662 Building $88,052 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
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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