St. Charles County property record for 274 E Governor Pl, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,536 sqft · built 1997 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $360,000 (Dec 2020) |
| Tax Bill | $6,086 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A965000331 |
| Primary APN | A965000331 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,536 sqft Living Area |
| 1st Floor Area | 1,342 sqft |
| Basement Area | 1,260 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Composition/Composite |
| Lot Area | 10,019 sqft (0.23 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 230 sqft |
| Patio Area | 625 sqft |
| Sewer | Connected |
|---|
| Account Number | A965000331 |
|---|---|
| Old Parcel Number | A965000331 |
| Street Address | 274 E GOVERNOR PL |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4554 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | PRESIDIO LOT 25 |
| Legal Range | 04E |
| Legal Township | 47N |
| Legal Subdivision | PRESIDIO |
| Legal Lot Number | 25 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 310602 |
Source: St. Charles County records, as of March 16, 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 | 274 E GOVERNOR PL, SAINT CHARLES, MO 63301-4554 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP |
| Dec 29, 2020 | Warranty Deed, Transfer GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2020 · Amount on Record |
| Deed Sale | Dec 29, 2020 · Amount on Record |
| Prior Sale | Aug 13, 2015 · Amount on Record |
| Deed Document Number | 2020102453 |
| Deed Book / Page | 2020 / 102453 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 274 E GOVERNOR PL, SAINT CHARLES, MO 63301-4554 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0073030541 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 7303/541 |
| Instrument | 20200526000340840 |
| Name | AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 29, 2020 |
| Property Address | 274 E GOVERNOR PL, SAINT CHARLES, MO 63301-4554 |
| Document Number | 0000102453 |
| Instrument Date | Dec 16, 2020 |
| Instrument | 102453 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2021 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 274 E GOVERNOR PL ST CHARLES MO 633014554, ST CHARLES, MO 63301-4554 |
| Document Number | 102454 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 102454 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 28, 2050 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,086.00 | $93,443 (+12.11%) | $491,807 (+12.12%) Land $80,000 Building $411,807 |
| 2023 | $83,346 | ||
| 2022 | $438,661 Land $60,000 Building $378,661 |
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.
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 |
|
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 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.
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 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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