St. Charles County property record for 320 Morgan St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,462 sqft · built 1900 |
| Lot Size | 0.103 acres (4,480 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Feb 2008) |
| Tax Bill | $3,950 (2025) |
| Deeds & Mortgages | May 2023 Transfer Apr 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 008720A000 |
| Primary APN | 008720A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,462 sqft Living Area |
| Gross Area | 3,350 sqft |
| 1st Floor Area | 1,574 sqft |
| Basement Area | 888 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 4,480 sqft (0.103 acres) |
| Lot Dimensions | 128 ft deep x 35 ft wide |
| Garage Type | Carport |
| Garage Area | 304 sqft |
| Carport | Carport |
| Carport Area | 304 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 138 sqft |
| Patio Area | 312 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 008720A000 |
|---|---|
| Street Address | 320 MORGAN ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2066 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF2 |
| Legal Description | PT CITY BLK 98 |
| Legal Subdivision | CITY/ST CHARLES |
| Legal Block | 98 |
| Legal Lot Number | 7 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2085 |
| Census Tract | 310400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Frenchtown Historic District listed 1991 · 206 contributing resources · NRIS 91000216 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
320 Morgan St is owned and occupied by two individuals who acquired it in April 2023.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 MORGAN ST, SAINT CHARLES, MO 63301-2066 |
| 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 |
|---|---|
| May 11, 2023 | Correction Deed |
| Apr 17, 2023 | Beneficiary Deed, Transfer |
| May 8, 2017 | Deed of Trust, Mortgage · Line of Credit CENTRAL BK/LK/OZARKS |
| Jan 6, 2017 | Deed of Trust, Mortgage CENTRAL BK/LK/OZARKS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2008 · Amount on File |
| Deed Sale | Feb 19, 2008 · Amount on File |
| Prior Sale | Sep 14, 2006 · Amount on File |
| Deed Document Number | 2008117740 |
| Deed Book / Page | 4930 / 2230 |
| Last Transfer Date | Apr 13, 2023 |
| Transfer Doc | 0000014408 |
| Record Updated | Oct 29, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 11, 2023 |
| Property Address | 320 MORGAN ST, SAINT CHARLES, MO 63301-2066 |
| Document Number | 0000018021 |
| Instrument Date | Apr 25, 2023 |
| Instrument | 2023R-018021 |
| Record Updated | May 25, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 320 MORGAN ST, SAINT CHARLES, MO 63301-2066 |
| Name | Verified Name |
|---|---|
| Address | 133 BRISTOL RIDGE DR, TROY, MO 63379-3813 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 17, 2023 |
| Property Address | 320 MORGAN ST, SAINT CHARLES, MO 63301-2066 |
| Document Number | 0000014408 |
| Instrument Date | Apr 13, 2023 |
| Instrument | 2023R-014408 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 320 MORGAN ST, SAINT CHARLES, MO 63301-2066 |
| Name | Verified Name |
|---|---|
| Address | 133 BRISTOL RIDGE DR, TROY, MO 63379-3813 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 320 MORGAN ST, SAINT CHARLES, MO 63301-2066 |
| Document Number | 0067422314 |
| Book / Page | 006742 / 002314 |
| Instrument Date | May 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 734 OSAGE BEACH MO 650650734, OSAGE BEACH, MO 65065-0734 |
| Document Number | 0067422314 |
|---|---|
| Date | May 12, 2017 |
| Book Page | 006742/002314 |
| Instrument | 291650 |
| Name | CENTRAL BK/LK/OZARKS |
|---|---|
| Type | Bank |
| Address | OSAGE BEACH, MO 65065 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 320 MORGAN ST, SAINT CHARLES, MO 63301-2066 |
| Document Number | 0066850257 |
| Book / Page | 006685 / 000257 |
| Instrument Date | Jan 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 320 MORGAN ST ST CHARLES MO 633012066, ST CHARLES, MO 63301-2066 |
| Document Number | 0066850257 |
|---|---|
| Date | Jan 12, 2017 |
| Book Page | 006685/000257 |
| Instrument | 26490 |
| Name | CENTRAL BK/LK/OZARKS |
|---|---|
| Type | Bank |
| Address | OSAGE BEACH, MO 65065-0207 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jan 11, 2032 |
The 2025 property tax bill for 320 Morgan St was $3,950, up 1.3% from the year before.
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 | $63,114 (-) | $332,181 (-) Land $50,000 Building $282,181 | |
| 2025 | $3,950.00 (+1.33%) | $63,114 | $332,181 Land $50,000 Building $282,181 |
| 2024 | $3,898.00 | ||
| 2023 | $60,824 | ||
| 2022 | $320,130 Land $37,500 Building $282,630 |
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 320 Morgan St in Zone X, an area of minimal flood risk, though there have been 89 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 |
| Flood Insurance Cost | Premium on File median of 55 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 89 (1979–2022) |
| Claims Outside the SFHA | 19 of 89 |
| 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.
Wildfire risk around 320 Morgan 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 99.8% of the US · lower than 99.6% 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 670 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 |
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