St. Charles County property record for 431 McDonough St, Saint Charles, MO 63301
| Property Type | Commercial |
|---|---|
| Details | 2,544 sqft · built 1900 |
| Lot Size | 0.136 acres (5,933 sqft) |
| Owner | Company Name on File |
| Last Sale | $125,000 (Aug 2019) |
| Tax Bill | $2,925 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Aug 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 012370A000 |
| Primary APN | 012370A000 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,544 sqft Gross Area |
| 1st Floor Area | 848 sqft |
| Basement Area | 848 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,933 sqft (0.136 acres) |
| Lot Dimensions | 80 ft deep x 75 ft wide |
| Porch | Open Porch |
| Porch Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 012370A000 |
|---|---|
| Street Address | 431 MCDONOUGH ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3469 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | PT CITY BLK 136 LOT 4 |
| Legal Subdivision | FLAIR FOREST 04 |
| Legal Block | 136 |
| Legal Lot Number | 4 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 310502 |
431 McDonough St, a commercial property, is owned by a company that bought it in August 2019.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 715 HARMONY RIDGE DR, SAINT PETERS, MO 63376-2582 |
| Owner Type | Company |
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 15, 2021 | Deed of Trust, Mortgage · Line of Credit ST JOHNS BANK & TRUST COMPANY |
| Aug 19, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2019 · Amount on File |
| Deed Sale | Aug 19, 2019 · Amount on File |
| Prior Sale | Feb 18, 2005 |
| Deed Document Number | 2019435690 |
| Deed Book / Page | 7125 / 934 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 431 MCDONOUGH ST, SAINT CHARLES, MO 63301-3469 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 71 FERNRIDGE DR 5, 5, SAINT PETERS, MO 63376-3017 |
| Document Number | 2021R077337 |
|---|---|
| Date | Sep 15, 2021 |
| Instrument | 2021R-077337 |
| Name | ST JOHNS BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63114 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 19, 2019 |
| Property Address | 431 MCDONOUGH ST, SAINT CHARLES, MO 63301-3469 |
| Document Number | 0071250934 |
| Book / Page | 007125 / 000934 |
| Instrument Date | Aug 13, 2019 |
| Instrument | 435690 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 431 MCDONOUGH ST ST CHARLES MO 633013469, ST CHARLES, MO 63301-3469 |
The 2025 property tax bill for 431 McDonough St was $2,925, up 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 | $43,414 (-) | $135,670 (-) Land $57,105 Building $78,565 | |
| 2025 | $2,925.00 (+2.99%) | $43,414 | $135,670 Land $57,105 Building $78,565 |
| 2024 | $2,840.00 | ||
| 2023 | $41,239 | ||
| 2022 | $128,874 Land $57,105 Building $71,769 |
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 431 McDonough St in Zone X, an area of minimal flood risk, though there have been 22 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 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.
Wildfire risk around 431 McDonough 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 99.1% of the US · lower than 98.2% 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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