St. Charles County property record for 408 Oak Ave, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,082 sqft · built 1955 |
| Lot Size | 0.321 acres (14,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $212,100 (Sep 2026) |
| Tax Bill | $2,557 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Aug 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 024930A000 |
| Primary APN | 024930A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,082 sqft Living Area |
| Gross Area | 2,952 sqft |
| 1st Floor Area | 1,452 sqft |
| Basement Area | 1,260 sqft |
| Finished Basement | 630 sqft |
| Unfinished Basement | 630 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,000 sqft (0.321 acres) |
| Lot Dimensions | 140 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 384 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 024930A000 |
|---|---|
| Street Address | 408 OAK AVE |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF2 |
| Legal Description | PT CITY BLK 258 |
| Legal Subdivision | CITY/ST CHARLES |
| Legal Block | 258 |
| Legal Lot Number | 9 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 310501 |
408 Oak Ave is owned and occupied by two individuals who bought it in September 2026.
Source: St. Charles County records, as of September 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 408 OAK AVE, SAINT CHARLES, MO 63301-2614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 |
|---|---|
| Sep 11, 2026 | Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK AND TRUST |
| Aug 10, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2026 · Amount on File |
| Deed Sale | Sep 11, 2026 · Amount on File |
| Prior Sale | Aug 10, 2023 · Amount on File |
| Deed Document Number | 202643675 |
| Prior Transfer Date | Aug 8, 2023 |
| Prior Transfer Doc | 0000032229 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 11, 2026 |
| Property Address | 408 OAK AVE, SAINT CHARLES, MO 63301-2614 |
| Document Number | 0000043675 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 202643675 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 408 OAK AVE, SAINT CHARLES, MO 63301-2614 |
| Document Number | 0000043676, |
|---|---|
| Date | Sep 11, 2026 |
| Instrument | 202643676 |
| Name | STIFEL BANK AND TRUST |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 10, 2023 |
| Property Address | 408 OAK AVE, SAINT CHARLES, MO 63301-2614 |
| Document Number | 0000032230 |
| Instrument Date | Aug 8, 2023 |
| Instrument | 2023R-032230 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 745 PARK CT, SAINT CHARLES, MO 63303-2752 |
| Name | Verified Name |
|---|---|
| Address | 408 OAK AVE, SAINT CHARLES, MO 63301-2614 |
| Document Number | 0000032231 |
|---|---|
| Date | Aug 10, 2023 |
| Instrument | 2023R-032231 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
The 2025 property tax bill for 408 Oak Ave was $2,557.
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 | $40,687 (-) | $214,136 (-) Land $28,572 Building $185,564 | |
| 2025 | $2,557.00 | $40,687 | $214,136 Land $28,572 Building $185,564 |
| 2023 | $38,305 (+17.5%) | ||
| 2022 | $2,249.00 | $32,600 | $201,604 (+17.5%) Land $21,429 Building $180,175 |
| 2021 | $171,575 Land $21,429 Building $150,146 |
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.
FEMA maps place 408 Oak Ave in Zone X, an area of minimal flood risk, though there have been 4 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 |
| Nearby Flood Claims | 4 (1979–2015) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Jul 2015 · rainfall accumulation |
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 risk around 408 Oak Ave 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 98% of the US · lower than 96% 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.
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 480 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · 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 |
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