245 E Governor Pl, Saint Charles, MO 63301 Property Records

St. Charles County property record for 245 E Governor Pl, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,584 sqft · built 1995
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,204 (2025)
Deeds & Mortgages	Sep 2022 Second Mortgage Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A965000313`

Property Details

APN / Parcel Number

Primary APN	`A965000313`
Alternative APN	`5-0079-7413-00-0007.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,584 sqft Living Area
Gross Area	4,342 sqft
1st Floor Area	2,584 sqft
Basement Area	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	498 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A965000313
Street Address	245 E GOVERNOR PL
City	SAINT CHARLES
State	MO
Zip	63301-4592
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PRESIDIO LOT 7
Legal Subdivision	PRESIDIO
Legal Lot Number	7
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	1
Census Block	1013
Census Tract	310602

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	245 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK
Sep 23, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Apr 6, 2023	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 5, 2023
Transfer Doc	0000012972
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	245 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592

Mortgage

Document Number	0000051824
Date	Sep 20, 2022
Instrument	2022R-051824

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Sep 14, 2034

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	245 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592

Mortgage

Document Number	0000052466
Date	Sep 23, 2022
Instrument	2022R-052466

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 14, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 6, 2023
Property Address	245 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592
Document Number	0000012972
Map Reference	MB 33 PG 24
Instrument Date	Apr 5, 2023
Instrument	2023R-012972
Transaction Type	Transfer
Record Updated	Apr 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	245 E GOVERNOR PL, SAINT CHARLES, MO 63301-4592

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5050 EXETER AVE, SAINT LOUIS, MO 63119-4338

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		$95,263 (-)	$501,385 (-) Land $80,000 Building $421,385
2025	$6,204.00	$95,263 (+14.07%)	$501,385 (+14.07%) Land $80,000 Building $421,385
2023		$83,516
2022			$439,558 Land $60,000 Building $379,558

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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	61 (1979–2022)
Claims Outside the SFHA	16 of 61
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 10 claims Flooding, Jun 2011 · 6 claims Severe Storms & Flooding, Jul 1993 · 12 claims

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	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 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.

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 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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