404 Morgan St, Saint Charles, MO 63301 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 866 sqft · built 1900
Lot Size	0.88 acres (3,840 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Dec 2024)
Tax Bill	$1,321 (2025)
Deeds & Mortgages	Jan 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010530A000`

Property Details

APN / Parcel Number

Primary APN	`010530A000`
Alternative APN	`6-009A-B119-00-0010.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	866 sqft Living Area
1st Floor Area	866 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,840 sqft (0.88 acres)
Lot Dimensions	128 ft deep x 30 ft wide
Terrain	Rolling
Porch	Open Porch
Porch Area	246 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	010530A000
Street Address	404 MORGAN ST
City	SAINT CHARLES
State	MO
Zip	63301-2068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF2
Legal Description	PT CITY BLK 119
Legal Subdivision	LAKE SAINTLOUIS WOODS
Legal Block	119
Legal Lot Number	10
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2084
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

404 Morgan St is owned and occupied by an individual who bought it in December 2024.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	404 MORGAN ST, SAINT CHARLES, MO 63301-2068
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2024 · Amount on File
Deed Sale	Dec 4, 2024 · Amount on File
Prior Sale	Dec 4, 2024 · Amount on File
Deed Document Number	202450513
Prior Transfer Date	Nov 7, 2024
Prior Transfer Doc	0000050513
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 11, 2023
Property Address	404 MORGAN ST, SAINT CHARLES, MO 63301-2068
Document Number	0000001387
Instrument Date	Jan 9, 2023
Instrument	2023R-001387
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2345 BASTEAN RD, WENTZVILLE, MO 63385-2205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 MORGAN ST, SAINT CHARLES, MO 63301-2068
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001388
Date	Jan 11, 2023
Instrument	2023R-001388

Lender

Name	FRONTIER FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 404 Morgan St was $1,321.

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		$20,769 (-)	$109,308 (-) Land $40,000 Building $69,308
2025	$1,321.00	$20,769	$109,308 Land $40,000 Building $69,308
2023		$18,929
2022			$99,628 Land $30,000 Building $69,628

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

FEMA maps place 404 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	Severe Storms And Flooding, Jul 2022 · 4 claims Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Jun 2013 · 2 claims Severe Storms & Flooding, Sep 1993 · 55 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

Wildfire risk around 404 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.

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 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