St. Charles County property record for 538 Morgan St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,795 sqft · built 1938 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,428 (2024) |
| Deeds & Mortgages | Apr 2024 Sale Apr 2024 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 016350A001 |
| Primary APN | 016350A001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,795 sqft Living Area |
| Gross Area | 2,259 sqft |
| 1st Floor Area | 1,360 sqft |
| Basement Area | 899 sqft |
| Finished Basement | 435 sqft |
| Unfinished Basement | 464 sqft |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,800 sqft (0.11 acres) |
| Lot Dimensions | 100 ft deep x 48 ft wide |
| Porch | Open Porch |
| Porch Area | 35 sqft |
| Patio Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 016350A001 |
|---|---|
| Street Address | 538 MORGAN ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1964 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF2 |
| Legal Description | PALLARDYS SUB BLK 1 PT LOT 15 |
| Legal Subdivision | PALLARDYS SUB-ST CHAS |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2073 |
| Census Tract | 310400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Commons Neighborhood Historic District listed 2017 · 243 contributing resources · NRIS 100000851 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 Record |
|---|---|
| Mailing Address | 612 YALE BLVD, SAINT CHARLES, MO 63301-0453 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2024 | Beneficiary Deed, Transfer |
| Apr 16, 2024 | Intrafamily Transfer, Transfer |
| Dec 4, 2023 | Intrafamily Transfer, Transfer |
| Apr 6, 2022 | Beneficiary Deed, Transfer |
| Apr 6, 2022 | Intrafamily Transfer, Transfer |
| Aug 26, 2020 | Deed of Trust, Mortgage · Commercial Mortgage CITY OF ST CHARLES |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 28, 2024 |
| Transfer Doc | 0000020676 |
| Record Updated | Oct 29, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 17, 2024 |
| Property Address | 538 MORGAN ST, SAINT CHARLES, MO 63301-1964 |
| Document Number | 0000014465 |
| Instrument Date | Apr 12, 2024 |
| Instrument | 2024R-014465 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 538 MORGAN ST, SAINT CHARLES, MO 63301-1964 |
| Name | Verified Name |
|---|---|
| Address | 612 YALE BLVD, SAINT CHARLES, MO 63301-0453 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 16, 2024 |
| Property Address | 538 MORGAN ST, SAINT CHARLES, MO 63301-1964 |
| Document Number | 0000014347 |
| Instrument Date | Apr 12, 2024 |
| Instrument | 2024R-014347 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 538 MORGAN ST, SAINT CHARLES, MO 63301-1964 |
| Name | Verified Name |
|---|---|
| Address | 538 MORGAN ST, SAINT CHARLES, MO 63301-1964 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 4, 2023 |
| Property Address | 538 MORGAN ST, SAINT CHARLES, MO 63301-1964 |
| Document Number | 0000049278 |
| Instrument Date | Dec 4, 2023 |
| Instrument | 2023R-049278 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 538 MORGAN ST, SAINT CHARLES, MO 63301-1964 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 6, 2022 |
| Property Address | 538 MORGAN ST, SAINT CHARLES, MO 63301-1964 |
| Document Number | 0000019860 |
| Instrument Date | Mar 29, 2022 |
| Instrument | 2022R-019860 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 538 MORGAN ST, 538, SAINT CHARLES, MO 63301-1964 |
| Name | Verified Name |
|---|---|
| Address | 612 YALE BLVD, SAINT CHARLES, MO 63301-0453 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 6, 2022 |
| Property Address | 538 MORGAN ST, SAINT CHARLES, MO 63301-1964 |
| Document Number | 0000019859 |
| Instrument Date | Mar 29, 2022 |
| Instrument | 2022R-019859 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 538 MORGAN ST, SAINT CHARLES, MO 63301-1964 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 538 MORGAN ST, SAINT CHARLES, MO 63301-1964 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 538 MORGAN ST, SAINT CHARLES, MO 63301-1964 |
| Document Number | 0073811610 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 7381/1610 |
| Instrument | 20200826000621310 |
| Name | CITY OF ST CHARLES |
|---|---|
| Type | Government Agency |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $39,271 (-) | $206,694 (-) Land $50,000 Building $156,694 | |
| 2025 | $39,271 (+4.18%) | $206,694 (+4.18%) Land $50,000 Building $156,694 | |
| 2024 | $2,428.00 | ||
| 2023 | $37,694 | ||
| 2022 | $198,393 Land $37,500 Building $160,893 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 | 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 670 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL 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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