St. Charles County property record for 540 Monroe St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,334 sqft · built 1906 |
| Lot Size | 0.179 acres (7,776 sqft) |
| Owner | Company Name on Record |
| Last Sale | $600,000 (Jul 2025) |
| Tax Bill | $3,962 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 016930A000 |
| Primary APN | 016930A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,334 sqft Living Area |
| Gross Area | 3,364 sqft |
| 1st Floor Area | 1,432 sqft |
| Basement Area | 1,030 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Hip |
| Roof Material | Asbestos |
| Lot Area | 7,776 sqft (0.179 acres) |
| Lot Dimensions | 108 ft deep x 72 ft wide |
| Garage Type | Detached |
| Garage Area | 234 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 016930A000 |
|---|---|
| Street Address | 540 MONROE ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF2 |
| Legal Description | PT CITY BLK 183 |
| Legal Subdivision | CITY/ST CHARLES |
| Legal Block | 183 |
| Legal Lot Number | 9 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 310502 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Midtown Neighborhood Historic District listed 2014 · 537 contributing resources · NRIS 14000885 |
|---|
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 11, 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 | 910 S MICHIGAN AVE, CHICAGO, IL 60605-2356 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2025 · Amount on Record |
| Deed Sale | Jul 25, 2025 · Amount on Record |
| Prior Sale | Apr 27, 2020 · Amount on Record |
| Deed Document Number | 202531884 |
| Prior Transfer Date | Jul 21, 2006 |
| Prior Transfer Doc | 0045570552 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 27, 2020 |
| Property Address | 540 MONROE ST, SAINT CHARLES, MO 63301-1839 |
| Document Number | 0072791381 |
| Book / Page | 7279 / 1381 |
| Instrument Date | Apr 23, 2020 |
| Instrument | 20200427000262520 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 305 MORGAN ST, 305, SAINT CHARLES, MO 63301-2065 |
| Name | Verified Name |
|---|---|
| Address | 540 MONROE ST, SAINT CHARLES, MO 63301-1839 |
| Document Number | 20200427000262530 |
|---|---|
| Date | Apr 27, 2020 |
| Instrument | 20200427000262530 |
| Name | PARAMOUNT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
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 | $63,310 (-) | $333,213 (-) Land $50,000 Building $283,213 | |
| 2025 | $3,962.00 (+1.2%) | $63,310 (+3.63%) | $333,213 (+3.63%) Land $50,000 Building $283,213 |
| 2024 | $3,915.00 | ||
| 2023 | $61,092 | ||
| 2022 | $321,537 Land $37,500 Building $284,037 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 17 (1980–2022) |
| Claims Outside the SFHA | 3 of 17 |
| Most Recent Claim | Aug 2022 · tidal / storm surge |
| 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 630 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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