St. Charles County property record for 401 Thomas Ave, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 877 sqft · built 1960 |
| Lot Size | 0.202 acres (8,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $167,000 (Mar 2018) |
| Tax Bill | $2,185 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Mar 2018 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056940A000 |
| Primary APN | 056940A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 877 sqft Living Area |
| 1st Floor Area | 877 sqft |
| Basement Area | 864 sqft |
| Finished Basement | 600 sqft |
| Year Built | Built 1960 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 8,840 sqft |
| Lot Dimensions | 130 ft deep x 68 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 143 sqft |
| Patio Area | 423 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 056940A000 |
|---|---|
| Old Parcel Number | 056940A000 |
| Street Address | 401 THOMAS AVE |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3573 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | FINCK ADDN LOT 19 |
| Legal Range | 05E |
| Legal Township | 46N |
| Legal Subdivision | FINCK ADDN |
| Legal Lot Number | 19 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 2 |
| Census Block | 2056 |
| Census Tract | 310502 |
Source: St. Charles County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 401 THOMAS AVE, SAINT CHARLES, MO 63301-3573 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Mar 21, 2018 | Warranty Deed, Transfer QUICKEN LNS |
| Jul 19, 2017 | Grant Deed, Transfer US TITLE |
| May 25, 2017 | Grant Deed, Transfer OTHER |
| May 3, 2017 | Trustee's Deed, Foreclosure |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 21, 2018 · Amount on Record |
| Deed Sale | Mar 21, 2018 · Amount on Record |
| Prior Sale | Jul 19, 2017 |
| Deed Document Number | 0068941387 |
| Deed Book / Page | 6894 / 1387 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 401 THOMAS AVE, SAINT CHARLES, MO 63301-3573 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 401 THOMAS AVE, SAINT CHARLES, MO 63301-3573 |
| Document Number | 0073702212 |
|---|---|
| Date | Aug 13, 2020 |
| Book Page | 7370/2212 |
| Instrument | 20200813000581020 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 21, 2018 |
| Property Address | 401 THOMAS AVE, SAINT CHARLES, MO 63301-3573 |
| Document Number | 0068941387 |
| Book / Page | 006894 / 001387 |
| Instrument Date | Mar 15, 2018 |
| Instrument | 151430 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2018 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 THOMAS AVE ST CHARLES MO 633013573, ST CHARLES, MO 63301-3573 |
| Document Number | 68941389 |
|---|---|
| Date | Mar 21, 2018 |
| Book Page | 006894/001389 |
| Instrument | 151440 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 20, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 19, 2017 |
| Property Address | 401 THOMAS AVE, SAINT CHARLES, MO 63301-3573 |
| Document Number | 0067771400 |
| Book / Page | 006777 / 001400 |
| Instrument Date | Jul 10, 2017 |
| Instrument | 446060 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2017 |
| Title Company | US TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 790 AMOLAC ST CHARLES MO 63301, ST CHARLES, MO 63301 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 25, 2017 |
| Property Address | 401 THOMAS AVE, SAINT CHARLES, MO 63301-3573 |
| Document Number | 0067490155 |
| Book / Page | 006749 / 000155 |
| Instrument Date | May 23, 2017 |
| Instrument | 320540 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2017 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 3, 2017 |
| Property Address | 401 THOMAS AVE, SAINT CHARLES, MO 63301-3573 |
| Document Number | 0067371702 |
| Book / Page | 006737 / 001702 |
| Instrument Date | May 2, 2017 |
| Instrument | 267840 |
| Transaction Type | Foreclosure |
| Record Updated | May 10, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1600 S DOUGLASS RD #200-A ANAHEIM CA 928065948, 200-A, ANAHEIM, CA 92806-5948 |
| Investor | Possibly a Property Investor |
Source: St. Charles County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $2,185.00 | $34,686 (+5.28%) | $182,559 (+5.28%) Land $45,000 Building $137,559 |
| 2023 | $32,946 | ||
| 2022 | $173,402 Land $35,000 Building $138,402 |
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 | Not rated no burnable land within ember reach |
|---|
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 USA Fixed Wireless | 100 / 20 |
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