404 Clark St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 404 Clark St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,520 sqft · built 1890
Lot Size	0.162 acres (7,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Jan 2026)
Tax Bill	$8,818 (2025)
Deeds & Mortgages	Jan 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010890A000`

Property Details

APN / Parcel Number

Primary APN	`010890A000`
Alternative APN	`6-009A-B123-00-0010.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,520 sqft Living Area
Gross Area	5,280 sqft
1st Floor Area	1,760 sqft
Basement Area	1,760 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Bi-Level
Exterior Material	Brick
Roof Type	Mansard
Roof Material	Composition Shingle
Lot Area	7,040 sqft (0.162 acres)
Lot Dimensions	88 ft deep x 80 ft wide

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	Deck Area
Patio Area	490 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	010890A000
Street Address	404 CLARK ST
City	SAINT CHARLES
State	MO
Zip	63301-2031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC9
Legal Description	PT CITY BLK 123
Legal Subdivision	CITY/STCHARLES SQUARE 123
Legal Block	123
Legal Lot Number	10
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1027
Census Tract	310400

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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1734 OLD BAXTER RD, CHESTERFIELD, MO 63017-4924
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2026 · Amount on Record
Deed Sale	Jan 7, 2026 · Amount on Record
Prior Sale	Nov 4, 2015 · Amount on Record
Deed Document Number	20261004
Prior Transfer Date	May 29, 2002
Prior Transfer Doc	0029040132
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 7, 2026
Property Address	404 CLARK ST, SAINT CHARLES, MO 63301-2031
Document Number	0000001004
Instrument Date	Jan 7, 2026
Instrument	2026R-001004
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1734 OLD BAXTER RD, CHESTERFIELD, MO 63017-4924

Mortgage

Document Number	0000001005
Date	Jan 7, 2026
Instrument	2026R-001005

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

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		$125,953 (-)	$393,603 (-) Land $50,000 Building $343,603
2025	$8,818.00 (+113%)	$125,953 (+59.59%)	$393,603 (-5.24%) Land $50,000 Building $343,603
2023		$78,921 (+30.62%)
2022	$4,140.00	$60,419	$415,377 (+30.62%) Land $37,500 Building $377,877
2021			$317,993 Land $37,500 Building $280,493

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1979–1985)
Most Recent Claim	Aug 1985 · tidal / storm surge

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 630 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, 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

May also be available: T-Mobile.

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