St. Charles County property record for 522 Bainbridge Rd, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,435 sqft · built 1940 |
| Lot Size | 0.13 acres (5,650 sqft) |
| Owner | Individual Name on File |
| Last Sale | $204,900 (Aug 2021) |
| Tax Bill | $2,177 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 081140A000 |
| Primary APN | 081140A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,435 sqft Living Area |
| Gross Area | 2,645 sqft |
| 1st Floor Area | 1,435 sqft |
| Basement Area | 859 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,650 sqft (0.13 acres) |
| Lot Dimensions | 113 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 351 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | Deck Area |
| Patio Area | 205 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 081140A000 |
|---|---|
| Street Address | 522 BAINBRIDGE RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | ROOSEVELT PL BLK 2 LOT 4 |
| Legal Subdivision | ROOSEVELT PL |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 310400 |
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 | Individual Name on File |
|---|---|
| Mailing Address | 522 BAINBRIDGE RD, SAINT CHARLES, MO 63301-2137 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Oct 26, 2020 | Deed of Trust, Mortgage · FHA Mortgage FRONTIER MTG |
| Mar 14, 2018 | Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2021 · Amount on File |
| Deed Sale | Aug 16, 2021 · Amount on File |
| Prior Sale | Mar 14, 2018 · Amount on File |
| Deed Document Number | 202168567 |
| Prior Transfer Date | Jan 21, 2016 |
| Prior Transfer Doc | 0064820475 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 16, 2021 |
| Property Address | 522 BAINBRIDGE RD, SAINT CHARLES, MO 63301-2137 |
| Document Number | 2021R068567 |
| Map Reference | MB 3 PG 42 |
| Instrument Date | Aug 9, 2021 |
| Instrument | 2021R-068567 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3555 SAINT CHRISTOPHER LN, 3555, SAINT ANN, MO 63074-2834 |
| Name | Verified Name |
|---|---|
| Address | 522 BAINBRIDGE RD, SAINT CHARLES, MO 63301-2137 |
| Document Number | 2021R068568 |
|---|---|
| Date | Aug 16, 2021 |
| Instrument | 2021R-068568 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 522 BAINBRIDGE RD, SAINT CHARLES, MO 63301-2137 |
| Document Number | 0000083899 |
| Instrument Date | Oct 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 522 BAINBRIDGE RD ST CHARLES MO 633012137, ST CHARLES, MO 63301-2137 |
| Document Number | 0000083899 |
|---|---|
| Date | Nov 2, 2020 |
| Instrument | 83899 |
| Name | FRONTIER MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63005 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 14, 2018 |
| Property Address | 522 BAINBRIDGE RD, SAINT CHARLES, MO 63301-2137 |
| Document Number | 0068902234 |
| Book / Page | 6890 / 2234 |
| Map Reference | MB 3 PG 42 |
| Instrument Date | Mar 8, 2018 |
| Instrument | 20180314000134380 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5261 SUTERMUTH RD, 5261, COTTLEVILLE, MO 63304 |
| Name | Verified Name |
|---|---|
| Address | 522 BAINBRIDGE RD, SAINT CHARLES, MO 63301-2137 |
| Document Number | 20180314000134390 |
|---|---|
| Date | Mar 14, 2018 |
| Instrument | 20180314000134390 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
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 | $34,567 (-) | $181,930 (-) Land $40,000 Building $141,930 | |
| 2025 | $2,177.00 (+8.8%) | $34,567 (+6%) | $181,930 (+6%) Land $40,000 Building $141,930 |
| 2023 | $32,610 (+12.62%) | ||
| 2022 | $2,001.00 | $28,956 | $171,631 (+12.62%) Land $30,000 Building $141,631 |
| 2021 | $152,401 Land $25,000 Building $127,401 |
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 File median of 55 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 89 (1979–2022) |
| Claims Outside the SFHA | 19 of 89 |
| 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 | Low lower than 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 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 354 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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