St. Charles County property record for 515 S Main St, Saint Charles, MO 63301
| Property Type | Commercial |
|---|---|
| Details | 2,128 sqft · built 1875 |
| Lot Size | 0.228 acres (9,936 sqft) |
| Owner | Company Name on Record |
| Last Sale | $800,000 (Apr 2024) |
| Tax Bill | $10,636 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 001990A000 |
| Primary APN | 001990A000 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,128 sqft Gross Area |
| 1st Floor Area | 1,716 sqft |
| Basement Area | 412 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,936 sqft (0.228 acres) |
| Lot Dimensions | 138 ft deep x 72 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 001990A000 |
|---|---|
| Street Address | 515 S MAIN ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3438 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | AA8 |
| Legal Description | PT CITY BLK 27 |
| Legal Subdivision | PARK CHAS SOUTH 04 |
| Legal Block | 27 |
| Legal Lot Number | 9 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 310502 |
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1018 S MAIN ST, SAINT CHARLES, MO 63301-3514 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 11, 2024 · Amount on Record |
| Deed Sale | Apr 11, 2024 · Amount on Record |
| Prior Sale | Jul 22, 2008 · Amount on Record |
| Deed Document Number | 202413731 |
| Prior Transfer Date | Oct 20, 2000 |
| Prior Transfer Doc | 0000070583 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 11, 2024 |
| Property Address | 515 S MAIN ST, SAINT CHARLES, MO 63301-3438 |
| Document Number | 0000013731 |
| Instrument Date | Apr 11, 2024 |
| Instrument | 2024R-013731 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18 DANBURY CT, SAINT CHARLES, MO 63303-5469 |
| Name | Verified Name |
|---|---|
| Address | 1018 S MAIN ST, SAINT CHARLES, MO 63301-3514 |
| Document Number | 0000013732 |
|---|---|
| Date | Apr 11, 2024 |
| Instrument | 2024R-013732 |
| Name | THE BANK OF HOUSTON |
|---|---|
| Type | Bank |
| Address | HOUSTON, MO 65483 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $153,404 (-) | $479,389 (-) Land $191,268 Building $288,121 | |
| 2025 | $10,636.00 | $153,404 (+5.82%) | $479,389 (+5.82%) Land $191,268 Building $288,121 |
| 2023 | $144,967 | ||
| 2022 | $453,021 Land $191,268 Building $261,753 |
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.
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 Record 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.
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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