2614 W Adams St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2614 W Adams St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,612 sqft · built 1961
Lot Size	0.174 acres (7,575 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Sep 2013)
Tax Bill	$2,564 (2025)
Deeds & Mortgages	Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`047950A000`

Property Details

APN / Parcel Number

Primary APN	`047950A000`
Alternative APN	`6-006B-4071-06-0001.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,612 sqft Living Area
Gross Area	2,496 sqft
1st Floor Area	1,066 sqft
Basement Area	1,066 sqft
Finished Basement	546 sqft
Unfinished Basement	520 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,575 sqft (0.174 acres)
Lot Dimensions	101 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	047950A000
Street Address	2614 W ADAMS ST
City	SAINT CHARLES
State	MO
Zip	63301-4674
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	ELMWOOD MANOR #2 BLK 6 LOT 1
Legal Subdivision	ELMWOOD MANOR #2
Legal Block	6
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1020
Census Tract	310301

Owner

2614 W Adams St is owned and occupied by two individuals who bought it in September 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	2614 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2013 · Amount on File
Deed Sale	Sep 27, 2013 · Amount on File
Prior Sale	Jan 21, 2003 · Amount on File
Deed Document Number	2013757000
Deed Book / Page	6098 / 2216
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2614 W ADAMS ST, SAINT CHARLES, MO 63301-4674
Document Number	0067992341
Book / Page	006799 / 002341
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Sep 8, 2017
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2614 W ADAMS ST ST CHARLES MO 633014674, ST CHARLES, MO 63301-4674

Mortgage

Document Number	0067992341
Date	Aug 31, 2017
Book Page	006799/002341
Instrument	548200

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2614 W Adams St was $2,564.

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		$40,788 (-)	$214,672 (-) Land $50,000 Building $164,672
2025	$2,564.00	$40,788	$214,672 Land $50,000 Building $164,672
2023		$37,717
2022			$198,513 Land $50,000 Building $148,513

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

FEMA maps place 2614 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.

Wildfire

The area around 2614 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.

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 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