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

St. Charles County property record for 401 N Main St, Saint Charles, MO 63301

Property Summary

Property Type	Commercial
Details	11,124 sqft · built 1938
Lot Size	0.537 acres (23,405 sqft)
Owner	Company Name on Record
Last Sale	$940,000 (Oct 2025)
Tax Bill	$11,269 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`003020A000`

Property Details

APN / Parcel Number

Primary APN	`003020A000`
Alternative APN	`6-009D-B035-00-0009.0000000`

Interior

Stories	1 Story
Building Area	11,124 sqft Gross Area
1st Floor Area	11,124 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Brick
Roof Material	Built-Up Asphalt
Lot Area	23,405 sqft (0.537 acres)
Lot Dimensions	155 ft deep x 151 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	003020A000
Street Address	401 N MAIN ST
City	SAINT CHARLES
State	MO
Zip	63301-2034
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	AA4
Legal Description	PT BLK 35
Legal Subdivision	PARK CHAS SOUTH 04
Legal Block	35
Legal Lot Number	9
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1004
Census Tract	310502

Historic Designation

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.

Owner

Source: St. Charles County records, as of September 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	995 HAVERSHAM DR, SAINT CHARLES, MO 63304-1645
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2025 · Amount on Record
Deed Sale	Oct 15, 2025 · Amount on Record
Prior Sale	Sep 21, 2022 · Amount on Record
Deed Document Number	202545964
Prior Transfer Date	Apr 21, 2021
Prior Transfer Doc	0000047704
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 15, 2025
Property Address	401 N MAIN ST, SAINT CHARLES, MO 63301-2034
Document Number	0000045964
Instrument Date	Oct 10, 2025
Instrument	2025R-045964
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	STATE LOUIS COMPANY TITLE (SLCTC), STL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	325 W MAIN ST, BELLEVILLE, IL 62220-1505

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	995 HAVERSHAM DR, SAINT CHARLES, MO 63304-1645

Mortgage

Document Number	0000045965
Date	Oct 15, 2025
Instrument	2025R-045965

Lender

Name	NEW FRONTIER BANK
Type	Bank
Address	SAINT CHARLES, MO 63303

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Oct 10, 2030

Tax Assessment & Valuation

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		$162,796 (-)	$508,734 (-) Land $257,455 Building $251,279
2025	$11,269.00	$162,796 (+3.87%)	$508,734 (+3.87%) Land $257,455 Building $251,279
2023		$156,725
2022			$489,765 Land $257,455 Building $232,310

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

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
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

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.

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