St. Charles County property record for 320 S 2nd St, Saint Charles, MO 63301
| Property Type | Commercial |
|---|---|
| Details | 2 bd · 2 ba · 1,632 sqft · built 1870 |
| Lot Size | 0.102 acres (4,421 sqft) |
| Owner | Company Name on File |
| Tax Bill | $4,633 (2025) |
| Deeds & Mortgages | Mar 2024 Sale Mar 2024 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002310A000 |
| Primary APN | 002310A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,632 sqft Gross Area |
| 1st Floor Area | 968 sqft |
| Basement Area | 664 sqft |
| Finished Basement | 664 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,421 sqft (0.102 acres) |
| Lot Dimensions | 150 ft deep x 31 ft wide |
| Terrain | Rolling |
| Porch | Enclosed Porch |
| Porch Area | 96 sqft |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 002310A000 |
|---|---|
| Street Address | 320 S 2ND ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3402 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | AB2 |
| Legal Description | PT BLK 29 |
| Legal Subdivision | CITY/ST CHARLES |
| Legal Block | 29 |
| Legal Lot Number | 5 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 310502 |
320 S 2nd St, a commercial property, is owned by a company that acquired it in March 2024.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 97 W OUTER HIGHWAY 79, OLD MONROE, MO 63369-2426 |
| Owner Type | Company |
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 |
|---|---|
| Mar 28, 2024 | Warranty Deed, Transfer |
| Mar 28, 2024 | Warranty Deed, Transfer |
| Oct 25, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF OLD MONROE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 28, 2024 |
| Deed Sale | Mar 28, 2024 |
| Prior Sale | Mar 7, 2012 · Amount on File |
| Deed Document Number | 202411671 |
| Prior Transfer Date | Mar 21, 2012 |
| Prior Transfer Doc | 0000271400 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 28, 2024 |
| Property Address | 320 S 2ND ST, SAINT CHARLES, MO 63301-3402 |
| Document Number | 0000011674 |
| Instrument Date | Mar 26, 2024 |
| Instrument | 2024R-011674 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 97 W OUTER HIGHWAY 79, OLD MONROE, MO 63369-2426 |
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 28, 2024 |
| Property Address | 320 S 2ND ST, SAINT CHARLES, MO 63301-3402 |
| Document Number | 0000011671 |
| Instrument Date | Mar 26, 2024 |
| Instrument | 2024R-011671 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 200 N 2ND ST, SAINT CHARLES, MO 63301-2851 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 320 S 2ND ST, SAINT CHARLES, MO 63301-3402 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2022 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 97 W OUTER HIGHWAY 79, OLD MONROE, MO 63369-2426 |
| Document Number | 0000058273 |
|---|---|
| Date | Oct 25, 2022 |
| Instrument | 2022R-058273 |
| Name | BANK OF OLD MONROE |
|---|---|
| Type | Bank |
| Address | OLD MONROE, MO 63369 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 320 S 2nd St was $4,633.
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 | $66,022 (-) | $206,320 (-) Land $36,473 Building $169,847 | |
| 2025 | $4,633.00 | $66,022 | $206,320 Land $36,473 Building $169,847 |
| 2023 | $62,137 | ||
| 2022 | $194,178 Land $38,362 Building $155,816 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 S 2nd St in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
The area around 320 S 2nd St has no burnable land within ember reach, so its wildfire risk is not rated.
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 345 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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