St. Charles County property record for 2610 W Adams St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,966 sqft · built 1962 |
| Lot Size | 0.232 acres (10,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $184,900 (May 2020) |
| Tax Bill | $2,757 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jun 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 047960A000 |
| Primary APN | 047960A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,966 sqft Living Area |
| Gross Area | 2,980 sqft |
| 1st Floor Area | 1,204 sqft |
| Basement Area | 1,204 sqft |
| Finished Basement | 762 sqft |
| Unfinished Basement | 442 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,100 sqft (0.232 acres) |
| Lot Dimensions | 101 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Patio Area | 240 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 047960A000 |
|---|---|
| Street Address | 2610 W ADAMS ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4674 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | ELMWOOD MANOR #2 BLK 6 LOT 2 |
| Legal Subdivision | ELMWOOD MANOR #2 |
| Legal Block | 6 |
| Legal Lot Number | 2 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 310301 |
2610 W Adams St is owned and occupied by an individual who bought it in May 2020.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2610 W ADAMS ST, SAINT CHARLES, MO 63301-4674 |
| 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 |
|---|---|
| May 19, 2020 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Jun 4, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage PENTAGON FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2020 · Amount on File |
| Deed Sale | May 19, 2020 · Amount on File |
| Prior Sale | May 19, 2020 · Amount on File |
| Deed Document Number | 2020323840 |
| Deed Book / Page | 7298 / 1042 |
| Prior Transfer Date | May 17, 2019 |
| Prior Transfer Doc | 0070831442 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 19, 2020 |
| Property Address | 2610 W ADAMS ST, SAINT CHARLES, MO 63301-4674 |
| Document Number | 0072981042 |
| Book / Page | 7298 / 1042 |
| Map Reference | MB 7 PG 239 |
| Instrument Date | May 14, 2020 |
| Instrument | 20200519000323840 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2610 W ADAMS ST, SAINT CHARLES, MO 63301-4674 |
| Document Number | 20200519000323850 |
|---|---|
| Date | May 19, 2020 |
| Instrument | 20200519000323850 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 4, 2019 |
| Property Address | 2610 W ADAMS ST, SAINT CHARLES, MO 63301-4674 |
| Document Number | 0070831442 |
| Book / Page | 7083 / 1442 |
| Map Reference | MB 7 PG 39 |
| Instrument Date | May 17, 2019 |
| Instrument | 20190604000268440 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2610 W ADAMS ST, SAINT CHARLES, MO 63301-4674 |
| Document Number | 20190604000268450 |
|---|---|
| Date | Jun 4, 2019 |
| Instrument | 20190604000268450 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2034 |
The 2025 property tax bill for 2610 W Adams St was $2,757, down 1.4% from the year before.
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 | $43,900 (-) | $231,051 (-) Land $50,000 Building $181,051 | |
| 2025 | $2,757.00 (-1.36%) | $43,900 | $231,051 Land $50,000 Building $181,051 |
| 2024 | $2,795.00 | ||
| 2023 | $43,464 | ||
| 2022 | $228,760 Land $50,000 Building $178,760 |
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 2610 W Adams St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 6 (1979–1983) |
| Most Recent Claim | May 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.
The area around 2610 W Adams St has no burnable land within ember reach, so its wildfire risk is not rated.
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 506 locations within half a mile, as of December 31, 2025
| Provider | Max 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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