St. Charles County property record for 413 S Main St, Saint Charles, MO 63301
| Property Type | Commercial |
|---|---|
| Details | 2,297 sqft · built 1890 |
| Lot Size | 0.088 acres (3,848 sqft) |
| Owner | Company Name on File |
| Last Sale | $370,000 (Sep 2022) |
| Tax Bill | $9,780 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Jul 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 002090A000 |
| Primary APN | 002090A000 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,297 sqft Gross Area |
| 1st Floor Area | 2,297 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Brick |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 3,848 sqft (0.088 acres) |
| Lot Dimensions | 148 ft deep x 26 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 472 sqft |
| Deck Area | Deck Area |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 002090A000 |
|---|---|
| Street Address | 413 S MAIN ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3436 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | PT CITY BLK 28 |
| Legal Subdivision | PARK CHAS SOUTH 04 |
| Legal Block | 28 |
| Legal Lot Number | 8 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 310502 |
413 S Main St, a commercial property, is owned by a company that bought it in September 2022.
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 552 CLARK ST, SAINT CHARLES, MO 63301-1875 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Sep 19, 2022 | Deed of Trust, Mortgage · Line of Credit ST JOHNS BANK & TRUST COMPANY |
| Jul 23, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 19, 2022 · Amount on File |
| Deed Sale | Sep 19, 2022 · Amount on File |
| Prior Sale | Sep 12, 1997 · Amount on File |
| Deed Document Number | 202251442 |
| Prior Transfer Date | Oct 20, 2009 |
| Prior Transfer Doc | 0000821240 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 413 S MAIN ST, SAINT CHARLES, MO 63301-3436 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 552 CLARK ST, SAINT CHARLES, MO 63301-1875 |
| Document Number | 0000051443 |
|---|---|
| Date | Sep 19, 2022 |
| Instrument | 2022R-051443 |
| Name | ST JOHNS BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63114 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 23, 2021 |
| Property Address | 413 S MAIN ST, SAINT CHARLES, MO 63301-3436 |
| Document Number | 2021R062186 |
| Instrument Date | Jul 7, 2021 |
| Instrument | 2021R-062186 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4821 MONTGOMERY LN APT 402, 402, BETHESDA, MD 20814-6324 |
The 2025 property tax bill for 413 S Main St was $9,780, up 2.3% from the year before.
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 | $140,703 (-) | $439,698 (-) Land $46,296 Building $393,402 | |
| 2025 | $9,780.00 (+2.34%) | $140,703 | $439,698 Land $46,296 Building $393,402 |
| 2024 | $9,556.00 | ||
| 2023 | $111,176 | ||
| 2022 | $420,066 Land $46,296 Building $373,770 |
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 413 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
The area around 413 S Main St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 345 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 Fixed Wireless | 100 / 20 |
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