5340 Main St, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5340 Main St, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,220 sqft · built 1960
Lot Size	0.182 acres (7,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Apr 2019)
Tax Bill	$2,651 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Dec 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`560520A000`

Property Details

APN / Parcel Number

Primary APN	`560520A000`
Alternative APN	`3-0158-4006-12-0002.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,220 sqft Living Area
1st Floor Area	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,920 sqft (0.182 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Porch	Porch
Porch Area	60 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	560520A000
Street Address	5340 MAIN ST
City	SAINT CHARLES
State	MO
Zip	63304-8002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	ORIGINAL TOWNSITE COTTLEVILLE BLK 12 LOT 2
Legal Subdivision	COTTLEVILLE TOWN
Legal Block	12
Legal Lot Number	2
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3012
Census Tract	311124

Owner

Source: St. Charles County records, as of August 7, 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 Record
Mailing Address	5340 MAIN ST, SAINT CHARLES, MO 63304-8002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2023	Deed of Trust, Mortgage · Conventional Mortgage SULLIVAN BANK
Dec 17, 2021	Deed of Trust, Mortgage · Line of Credit SULLIVAN BANK
Apr 17, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2019 · Amount on Record
Deed Sale	Apr 17, 2019 · Amount on Record
Prior Sale	Dec 3, 2004 · Amount on Record
Deed Document Number	2019174460
Deed Book / Page	7060 / 914
Prior Transfer Date	Apr 11, 2019
Prior Transfer Doc	0070600914
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5340 MAIN ST, SAINT CHARLES, MO 63304-8002
Transaction Type	Mortgage
Record Updated	Nov 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5340 MAIN ST, COTTLEVILLE, MO 63304-8002

Mortgage

Document Number	0000043644
Date	Oct 23, 2023
Instrument	2023R-043644

Lender

Name	SULLIVAN BANK
Type	Bank
Address	SULLIVAN, MO 63080

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5340 MAIN ST, SAINT CHARLES, MO 63304-8002
Transaction Type	Mortgage
Record Updated	Dec 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5340 MAIN ST, COTTLEVILLE, MO 63304-8002

Mortgage

Document Number	0000101755
Date	Dec 17, 2021
Instrument	2021R-101755

Lender

Name	SULLIVAN BANK
Type	Bank
Address	SULLIVAN, MO 63080

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Apr 17, 2019
Property Address	5340 MAIN ST, SAINT CHARLES, MO 63304-8002
Document Number	0070600914
Book / Page	7060 / 0914
Map Reference	MB 2 PG 14
Instrument Date	Apr 11, 2019
Instrument	20190417000174460
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5340 MAIN ST, SAINT CHARLES, MO 63304-8002

Mortgage

Document Number	20190417000174470
Date	Apr 17, 2019
Instrument	20190417000174470

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Cottleville City
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$42,847 (-)	$225,508 (-) Land $53,250 Building $172,258
2025	$2,651.00 (+11.86%)	$42,847 (+13.72%)	$225,508 (+13.71%) Land $53,250 Building $172,258
2024	$2,370.00
2023		$37,679
2022			$198,315 Land $40,000 Building $158,315

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.

Flood

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2017 · other causes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 92% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Wisper ISP.

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