St. Charles County property record for 318 Thomas Ave, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,130 sqft · built 1955 |
| Lot Size | 0.182 acres (7,920 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $224,000 (Dec 2024) |
| Tax Bill | $2,598 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 056850A000 |
| Primary APN | 056850A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,130 sqft Living Area |
| Gross Area | 2,695 sqft |
| 1st Floor Area | 1,220 sqft |
| Basement Area | 1,200 sqft |
| Finished Basement | 910 sqft |
| Unfinished Basement | 290 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,920 sqft (0.182 acres) |
| Lot Dimensions | 110 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 275 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Patio Area | 466 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 056850A000 |
|---|---|
| Street Address | 318 THOMAS AVE |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | FINCK ADDN LOT 10 |
| Legal Subdivision | FINCK ADDN |
| Legal Lot Number | 10 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 2 |
| Census Block | 2054 |
| 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 | 318 THOMAS AVE, SAINT CHARLES, MO 63301-3521 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| May 28, 2026 | Deed of Trust, Mortgage · FHA Mortgage FAMILY FINANCIAL MORTGAGE |
| Sep 14, 2022 | Warranty Deed, Transfer · FHA Mortgage FAMILY FINANCE MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 3, 2024 · Amount on Record |
| Deed Sale | Dec 3, 2024 · Amount on Record |
| Prior Sale | Sep 14, 2022 · Amount on Record |
| Deed Document Number | 202450494 |
| Prior Transfer Date | Mar 20, 2019 |
| Prior Transfer Doc | 0000127370 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 28, 2026 |
| Property Address | 318 THOMAS AVE, SAINT CHARLES, MO 63301-3521 |
| Document Number | 0000025047 |
| Instrument Date | May 18, 2026 |
| Instrument | 202625047 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ELITE TIER TITLE |
| Name | Verified Name |
|---|---|
| Address | 318 THOMAS AVE, SAINT CHARLES, MO 63301-3521 |
| Document Number | 0000025047, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202625047 |
| Name | FAMILY FINANCIAL MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 14, 2022 |
| Property Address | 318 THOMAS AVE, SAINT CHARLES, MO 63301-3521 |
| Document Number | 0000050806 |
| Map Reference | MB 5 PG 60 |
| Instrument Date | Sep 9, 2022 |
| Instrument | 2022R-050806 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 164, SWINK, OK 74761-0164 |
| Name | Verified Name |
|---|---|
| Address | 318 THOMAS AVE, SAINT CHARLES, MO 63301-3521 |
| Investor | Possibly a Property Investor |
| Document Number | 0000050807 |
|---|---|
| Date | Sep 14, 2022 |
| Instrument | 2022R-050807 |
| Name | FAMILY FINANCE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
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 | $41,342 (-) | $217,591 (-) Land $45,000 Building $172,591 | |
| 2025 | $2,598.00 | $41,342 (+11.86%) | $217,591 (+11.86%) Land $45,000 Building $172,591 |
| 2023 | $36,959 | ||
| 2022 | $194,523 Land $35,000 Building $159,523 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 | 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.
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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