302 N Main St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 302 N Main St, Saint Charles, MO 63301

Property Summary

Property Type	Commercial
Details	8,120 sqft · built 1860
Lot Size	0.087 acres (3,780 sqft)
Owner	Company Name on File
Last Sale	$412,500 (Apr 2021)
Tax Bill	$9,445 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`000090A000`

Property Details

APN / Parcel Number

Primary APN	`000090A000`
Alternative APN	`6-009D-B009-00-0009.0000000`

Interior

Stories	1 Story
Building Area	8,120 sqft Gross Area
1st Floor Area	4,452 sqft
Basement Area	3,668 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Exterior Material	Metal
Lot Area	3,780 sqft (0.087 acres)
Lot Dimensions	135 ft deep x 28 ft wide
Porch	Open Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	000090A000
Street Address	302 N MAIN ST
City	SAINT CHARLES
State	MO
Zip	63301-2033
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	AA4
Legal Description	PT CITY BLK 9
Legal Subdivision	PARK CHAS SOUTH 04
Legal Block	9
Legal Lot Number	9
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1002
Census Tract	310502

Owner

302 N Main St, a commercial property, is owned by a company that bought it in April 2021.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Company Name on File
Mailing Address	433 JACKSON ST, SAINT CHARLES, MO 63301-3467
Owner Type	Company
Vesting	Limited Liability Company

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	Name on Deed
Last Sale	Apr 26, 2021 · Amount on File
Deed Sale	Apr 26, 2021 · Amount on File
Prior Sale	Oct 29, 2015
Deed Document Number	202136530
Prior Transfer Date	Jan 1, 2005
Prior Transfer Doc	0000016480
Record Updated	Oct 29, 2026

April 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 26, 2021
Property Address	302 N MAIN ST, SAINT CHARLES, MO 63301-2033
Document Number	2021R036530
Instrument Date	Feb 22, 2021
Instrument	2021R-036530
Transaction Type	Transfer
Record Updated	May 10, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	302 N MAIN ST, 302, SAINT CHARLES, MO 63301-2033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 JACKSON ST, SAINT CHARLES, MO 63301-3467

Mortgage

Document Number	2021R036531
Date	Apr 26, 2021
Instrument	2021R-036531

Lender

Name	ST JOHNS BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 302 N Main St was $9,445, up 1.1% from the year before.

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		$136,398 (-)	$444,536 (-) Land $64,638 Building $379,898
2025	$9,445.00 (+1.15%)	$136,398	$444,536 Land $64,638 Building $379,898
2024	$9,338.00
2023		$131,855 (+11.9%)
2022	$8,902.00	$117,837	$428,885 (+12.13%) Land $64,638 Building $364,247
2021			$382,494 Land $64,638 Building $317,856

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 302 N Main St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	17 (1980–2022)
Claims Outside the SFHA	3 of 17
Most Recent Claim	Aug 2022 · tidal / storm surge
Claims by Event	Severe Storms & Flooding, Aug 1993 · 10 claims

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

Wildfire risk around 302 N Main St 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.

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 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20