St. Charles County property record for 309 Thomas Ave, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,436 sqft · built 1960 |
| Lot Size | 0.203 acres (8,840 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $289,000 (Jul 2022) |
| Tax Bill | $3,190 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 056980A000 |
| Primary APN | 056980A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,436 sqft Living Area |
| Gross Area | 3,096 sqft |
| 1st Floor Area | 1,548 sqft |
| Basement Area | 936 sqft |
| Finished Basement | 888 sqft |
| Unfinished Basement | 48 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,840 sqft (0.203 acres) |
| Lot Dimensions | 130 ft deep x 68 ft wide |
| Garage Type | Attached |
| Garage Area | 612 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 612 sqft |
| Patio Area | 122 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 056980A000 |
|---|---|
| Street Address | 309 THOMAS AVE |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | FINCK ADDN LOT 23 |
| Legal Subdivision | FINCK ADDN |
| Legal Lot Number | 23 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 2 |
| Census Block | 2056 |
| Census Tract | 310502 |
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 309 THOMAS AVE, SAINT CHARLES, MO 63301-3520 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 11, 2021 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Jul 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage COMMERCE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2022 · Amount on Record |
| Deed Sale | Jul 21, 2022 · Amount on Record |
| Prior Sale | Oct 29, 2018 · Amount on Record |
| Deed Document Number | 202240684 |
| Last Transfer Date | Aug 18, 2023 |
| Transfer Doc | 0000034869 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 309 THOMAS AVE, SAINT CHARLES, MO 63301-3520 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 309 THOMAS AVE, SAINT CHARLES, MO 63301-3520 |
| Document Number | 0000049781 |
|---|---|
| Date | Jun 11, 2021 |
| Instrument | 2021R-049781 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 20, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 21, 2022 |
| Property Address | 309 THOMAS AVE, SAINT CHARLES, MO 63301-3520 |
| Document Number | 0000040684 |
| Map Reference | MB 5 PG 60 |
| Instrument Date | Jul 15, 2022 |
| Instrument | 2022R-040684 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 131 ANDERSON STREET, ST CHARLES, ID 83272 |
| Name | Verified Name |
|---|---|
| Address | 309 THOMAS AVE, SAINT CHARLES, MO 63301-3520 |
| Document Number | 0000040685 |
|---|---|
| Date | Jul 21, 2022 |
| Instrument | 2022R-040685 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Aug 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.6% |
| Index | 1-Year CMT |
| Max Rate | 11.6% |
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 | $50,884 (-) | $267,809 (-) Land $40,500 Building $227,309 | |
| 2025 | $3,190.00 (-0.75%) | $50,884 (+1.64%) | $267,809 (+1.63%) Land $40,500 Building $227,309 |
| 2024 | $3,214.00 | ||
| 2023 | $50,065 | ||
| 2022 | $263,502 Land $31,500 Building $232,002 |
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 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 22 (1979–2022) |
| 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 | 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 241 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless 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 |
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