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2609 W Adams St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2609 W Adams St, Saint Charles, MO 63301

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,092 sqft · built 1961
Lot Size0.202 acres (8,778 sqft)
Owner2 Individual Names on File
Last Sale$279,214 (Sep 2026)
Tax Bill$2,640 (2025)
Deeds & MortgagesSep 2026 Mortgage
Flood ZoneZone X (minimal risk)
APN047840A000

Property Details

APN / Parcel Number

Primary APN047840A000
Alternative APN
  • 6-006B-4071-02-0027.0000000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,092 sqft Living Area
Gross Area2,184 sqft
1st Floor Area1,092 sqft
Basement Area1,092 sqft

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1961
Architectural StyleRanch
Exterior MaterialMasonry Veneer
Roof TypeGable
Roof MaterialAsphalt
Lot Area8,778 sqft (0.202 acres)
Lot Dimensions114 ft deep x 77 ft wide
Garage TypeCarport
Garage Area352 sqft
CarportCarport
Carport Area352 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area240 sqft
Patio Area288 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account Number047840A000
Street Address2609 W ADAMS ST
CitySAINT CHARLES
StateMO
Zip63301-4601
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAF0
Legal DescriptionELMWOOD MANOR #2 BLK 2 LOT 27
Legal SubdivisionELMWOOD MANOR #2
Legal Block2
Legal Lot Number27
JurisdictionST CHARLES MO
Township / Civil DivisionRIVERS
Census Block Group1
Census Block1018
Census Tract310301

Owner

Source: St. Charles County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address2609 W ADAMS ST, SAINT CHARLES, MO 63301-4601
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 30, 2026 · Amount on File
Deed SaleSep 30, 2026 · Amount on File
Prior SaleOct 1, 2024 · Amount on File
Deed Document Number202646591
Prior Transfer DateSep 18, 2007
Prior Transfer Doc0048450955
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateSep 30, 2026
Property Address2609 W ADAMS ST, SAINT CHARLES, MO 63301-4601
Document Number0000046591
Instrument DateSep 23, 2026
Instrument202646591
Transaction TypeTransfer
Record UpdatedOct 23, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2609 W ADAMS ST, SAINT CHARLES, MO 63301-4601

Mortgage

Document Number0000046592,
DateSep 30, 2026
Instrument202646592
Lender
NameCENTRAL TRUST BANK
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictSt. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$42,014 (-)$221,127 (-) Land $50,000 Building $171,127
2025$2,640.00 (+4.39%)$42,014 (+6.93%)$221,127 (+6.93%) Land $50,000 Building $171,127
2024$2,529.00
2023$39,290
2022$206,787 Land $50,000 Building $156,787

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims6 (1979–1983)
Most Recent ClaimMay 1983 · tidal / storm surge

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 RiskNot 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 SystemST CHARLES PWS
serves 78,961 people · EPA ID MO6010707
Water SourcePurchased surface water from several systems
Last State InspectionOct 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 506 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless 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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