St. Charles County property record for 551 Monroe St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,364 sqft · built 1906 |
| Lot Size | 0.189 acres (8,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $173,500 (May 2017) |
| Tax Bill | $2,679 (2025) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 017090A000 |
| Primary APN | 017090A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,364 sqft Living Area |
| Gross Area | 2,376 sqft |
| 1st Floor Area | 1,364 sqft |
| Basement Area | 1,012 sqft |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,250 sqft (0.189 acres) |
| Lot Dimensions | 165 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 113 sqft |
| Patio Area | 113 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 017090A000 |
|---|---|
| Street Address | 551 MONROE ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1880 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF2 |
| Legal Description | PT CITY BLK 184 |
| Legal Subdivision | CITY SQUARE 184 |
| Legal Block | 184 |
| Legal Lot Number | 3 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1045 |
| 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.
551 Monroe St is owned and occupied by an individual who bought it in May 2017.
Source: St. Charles County records, as of August 7, 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 | 551 MONROE ST, SAINT CHARLES, MO 63301-1880 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2017 · Amount on File |
| Deed Sale | May 8, 2017 · Amount on File |
| Prior Sale | Nov 13, 2015 · Amount on File |
| Deed Document Number | 2017277510 |
| Deed Book / Page | 6740 / 9 |
| Prior Transfer Date | Nov 6, 2015 |
| Prior Transfer Doc | 0064500363 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 8, 2017 |
| Property Address | 551 MONROE ST, SAINT CHARLES, MO 63301-1880 |
| Document Number | 0067400009 |
| Book / Page | 006740 / 000009 |
| Instrument Date | Apr 28, 2017 |
| Instrument | 277510 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2017 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 801 N 4TH ST ST CHARLES MO 633012052, ST CHARLES, MO 63301-2052 |
| Document Number | 67400012 |
|---|---|
| Date | May 8, 2017 |
| Book Page | 006740/000012 |
| Instrument | 277520 |
| Name | HOMETOWN EQUITY MTG/ST LOUIS |
|---|---|
| Type | Mortgage Company |
| Address | SAINT PETERS, MO 63376 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 7, 2047 |
The 2025 property tax bill for 551 Monroe St was $2,679, up 3.2% from the year before.
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 | $42,648 (-) | $224,467 (-) Land $50,000 Building $174,467 | |
| 2025 | $2,679.00 (+3.16%) | $42,648 | $224,467 Land $50,000 Building $174,467 |
| 2024 | $2,597.00 | ||
| 2023 | $40,354 | ||
| 2022 | $212,394 Land $37,500 Building $174,894 |
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.
FEMA maps place 551 Monroe St in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1980.
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.
The area around 551 Monroe St has no burnable land within ember reach, so its wildfire risk is not rated.
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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