St. Charles County property record for 2774 Thames Ave, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,404 sqft · built 1968 |
| Lot Size | 0.158 acres (6,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $238,000 (Dec 2022) |
| Tax Bill | $2,795 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Aug 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135870A000 |
| Primary APN | 135870A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| Gross Area | 2,472 sqft |
| 1st Floor Area | 936 sqft |
| Basement Area | 936 sqft |
| Finished Basement | 468 sqft |
| Unfinished Basement | 468 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,900 sqft (0.158 acres) |
| Lot Dimensions | 115 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 28 sqft |
| Patio Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 135870A000 |
|---|---|
| Street Address | 2774 THAMES AVE |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0360 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | ST CHAS HILLS #5 LOT 709 |
| Legal Subdivision | ST CHAS HILLS #5 |
| Legal Lot Number | 709 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 310802 |
2774 Thames Ave is owned and occupied by two individuals who bought it in December 2022.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2774 THAMES AVE, SAINT CHARLES, MO 63301-0360 |
| 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 |
|---|---|
| Dec 20, 2022 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Aug 10, 2018 | Warranty Deed, Transfer |
| Jun 21, 2018 | Trustee's Deed, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2022 · Amount on File |
| Deed Sale | Dec 20, 2022 · Amount on File |
| Prior Sale | Oct 17, 2022 · Amount on File |
| Deed Document Number | 202266959 |
| Prior Transfer Date | Jun 18, 2018 |
| Prior Transfer Doc | 0069371030 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 20, 2022 |
| Property Address | 2774 THAMES AVE, SAINT CHARLES, MO 63301-0360 |
| Document Number | 0000066959 |
| Map Reference | MB 12 PG 20 |
| Instrument Date | Dec 16, 2022 |
| Instrument | 2022R-066959 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13432 LAND O WOODS DR, SAINT LOUIS, MO 63141-6028 |
| Name | Verified Name |
|---|---|
| Address | 2774 THAMES AVE, SAINT CHARLES, MO 63301-0360 |
| Document Number | 0000066960 |
|---|---|
| Date | Dec 20, 2022 |
| Instrument | 2022R-066960 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 10, 2018 |
| Property Address | 2774 THAMES AVE, SAINT CHARLES, MO 63301-0360 |
| Document Number | 0069611199 |
| Book / Page | 006961 / 001199 |
| Instrument Date | Aug 8, 2018 |
| Instrument | 457680 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4136 HOBNAIL DR ST CHARLES MO 633042316, ST CHARLES, MO 63304-2316 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 21, 2018 |
| Property Address | 2774 THAMES AVE, SAINT CHARLES, MO 63301-0360 |
| Document Number | 0069371030 |
| Book / Page | 006937 / 001030 |
| Instrument Date | Jun 14, 2018 |
| Instrument | 347600 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 17, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
The 2025 property tax bill for 2774 Thames Ave was $2,795.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $43,274 (-) | $227,756 (-) Land $45,000 Building $182,756 | |
| 2025 | $2,795.00 | $43,274 | $227,756 Land $45,000 Building $182,756 |
| 2023 | $40,711 | ||
| 2022 | $214,268 Land $35,000 Building $179,268 |
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 2774 Thames Ave in Zone X, an area of minimal flood risk, though there have been 3 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 | 3 in force |
| Nearby Flood Claims | 3 (1979–1995) |
| Most Recent Claim | May 1995 · Severe Storms, Tornadoes, Hail, Flooding |
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 risk around 2774 Thames Ave is low, with less than a 0.01% annual chance of 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 | None beyond 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 566 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL 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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