St. Charles County property record for 411 S 2nd St, Saint Charles, MO 63301 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,273 sqft · built 1903 |
| Lot Size | 0.16 acres (6,978 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,644 (2025) |
| Deeds & Mortgages | Jan 2024 Sale Apr 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 005780A000 |
| Primary APN | 005780A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,273 sqft Living Area |
| Gross Area | 3,143 sqft |
| 1st Floor Area | 890 sqft |
| Basement Area | 870 sqft |
| Year Built | Built 1903 |
|---|---|
| Effective Year Built | Effective 1903 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,978 sqft (0.16 acres) |
| Lot Dimensions | 145 ft deep x 50 ft wide |
| Terrain | Steep |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 233 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 005780A000 |
|---|---|
| Street Address | 411 S 2ND ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT CITY BLK 73 |
| Legal Subdivision | CITY SQUARE 73 |
| Legal Block | 73 |
| Legal Lot Number | 10 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 310502 |
Source: St. Charles County records · APN 005780A000
Assessment roll updated August 7, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 411 S 2ND ST, SAINT CHARLES, MO 63301-3403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 02, 2024 | Warranty Deed, Transfer |
| Apr 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF SPRINGFIELD |
| Aug 16, 2021 | Deed of Trust, Mortgage · Construction Mortgage BANK OF SPRINGFIELD |
| Oct 19, 2020 | Deed of Trust, Mortgage GERSHMAN MTG |
| Feb 21, 2017 | Deed of Trust, Mortgage CENTRAL BK/ST LOUIS |
| Feb 17, 2017 | Deed of Trust, Mortgage · Line of Credit NETCO TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 02, 2024 |
| Deed Sale | Jan 02, 2024 |
| Deed Document Number | 2024162 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 02, 2024 |
| Property Address | 411 S 2ND ST, SAINT CHARLES, MO 63301-3403 |
| Document Number | 0000000162 |
| Map Reference | MB 6671 PG 980 |
| Instrument Date | Nov 27, 2023 |
| Instrument | 2024R-000162 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 200 N 2ND ST, SAINT CHARLES, MO 63301-2851 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 411 S 2ND ST, SAINT CHARLES, MO 63301-3403 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 411 S 2ND ST, SAINT CHARLES, MO 63301-3403 |
| Document Number | 0000021751 |
|---|---|
| Date | Apr 15, 2022 |
| Instrument | 2022R-021751 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62703 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 411 S 2ND ST, SAINT CHARLES, MO 63301-3403 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 411 S 2ND ST, SAINT CHARLES, MO 63301-3403 |
| Document Number | 2021R068639 |
|---|---|
| Date | Aug 16, 2021 |
| Instrument | 2021R-068639 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 411 S 2ND ST, SAINT CHARLES, MO 63301-3403 |
| Document Number | 0000005269 |
| Instrument Date | Oct 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 411 S 2ND ST ST CHARLES MO 633013403, ST CHARLES, MO 63301-3403 |
| Document Number | 0000005269 |
|---|---|
| Date | Jan 19, 2021 |
| Instrument | 5269 |
| Name | GERSHMAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jan 18, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 411 S 2ND ST, SAINT CHARLES, MO 63301-3403 |
| Document Number | 0067060420 |
| Instrument Date | Feb 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 09, 2019 |
| Title Company | NETCO TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 411 S 2ND ST ST CHARLES MO 633013403, ST CHARLES, MO 63301-3403 |
| Document Number | 0067060420 |
|---|---|
| Date | Mar 01, 2017 |
| Book Page | 006706/000420 |
| Instrument | 127100 |
| Name | CENTRAL BK/ST LOUIS |
|---|---|
| Address | SAINT LOUIS, MO 63105-1809 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 28, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 411 S 2ND ST, SAINT CHARLES, MO 63301-3403 |
| Document Number | 0067010288 |
| Instrument Date | Feb 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2017 |
| Title Company | NETCO TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 411 S 2ND ST ST CHARLES MO 633013403, ST CHARLES, MO 63301-3403 |
| Document Number | 0067010288 |
|---|---|
| Date | Feb 17, 2017 |
| Book Page | 006701/000288 |
| Instrument | 103900 |
| Address | 10811 FALLS CREEK LN, DAYTON, OH 45458-6074 |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $58,194 (-) | $306,285 (-) Land $50,000 Building $256,285 | |
| 2025 | $3,644.00 | $58,194 (+4.26%) | $306,285 (+4.25%) Land $50,000 Building $256,285 |
| 2023 | $55,818 | ||
| 2022 | $293,785 Land $37,500 Building $256,285 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833105022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 15 individual NFIP policies nearby |
| 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, rainfall accumulation, Severe Storms And Flooding |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 345 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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