5521 Oak St, Cottleville (Saint Charles), MO 63304 Property Records

St. Charles County property record for 5521 Oak St, Cottleville, MO 63304

Property Summary

Property Type	Commercial
Details	2 ba · 12,826 sqft · built 2023
Lot Size	0.11 acres (4,792 sqft)
Owner	Company Name on Record
Tax Bill	$37,366 (2025)
Deeds & Mortgages	May 2024 Mortgage Nov 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`560010A000`

Property Details

APN / Parcel Number

Primary APN	`560010A000`
Alternative APN	`3-0158-4006-05-0004.1000000`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	12,826 sqft Total Area
1st Floor Area	2,576 sqft

Exterior

Year Built	Built 2023
Exterior Material	Wood
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	66 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	182 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	560010A000
Old Parcel Number	560010A000
Street Address	5521 OAK ST
City	COTTLEVILLE
State	MO
Zip	63304-8009
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	AA1
Legal Description	ORIGINAL TOWNSITE COTTLEVILLE BLK 5 PT LOT 3
Legal Range	03E
Legal Township	46N
Legal Subdivision	COTTLEVILLE TOWN
Legal Block	5
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3009
Census Tract	311124

Owner

Source: St. Charles County records, as of March 16, 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	5330 HIGHWAY N, COTTLEVILLE, MO 63304-7648
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 3, 2024	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK & TRUST CO
Nov 1, 2022	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK & TRUST CO
Apr 18, 2022	Quit Claim Deed, Transfer Quitclaim
Feb 7, 2022	Warranty Deed, Transfer · Commercial Mortgage PEOPLES BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2022
Deed Sale	Feb 7, 2022
Prior Sale	Feb 7, 2022
Deed Document Number	0000007530
Last Transfer Date	Apr 18, 2022
Transfer Doc	0000022194
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5521 OAK ST, COTTLEVILLE, MO 63304-8009
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5330 HIGHWAY N, COTTLEVILLE, MO 63304-7648

Mortgage

Document Number	0000017063
Date	May 3, 2024
Instrument	2024R-017063

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5521 OAK ST, COTTLEVILLE, MO 63304-8009
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5521 OAK ST, COTTLEVILLE, MO 63304-8009

Mortgage

Document Number	0000059489
Date	Nov 1, 2022
Instrument	2022R-059489

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 18, 2022
Property Address	5521 OAK ST, COTTLEVILLE, MO 63304-8009
Document Number	0000022194
Map Reference	MB 2 PG 14
Instrument Date	Apr 7, 2022
Instrument	2022R-022194
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5521 HIGHWAY N, COTTLEVILLE, MO 63304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5521 HIGHWAY N, COTTLEVILLE, MO 63304

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 7, 2022
Property Address	5521 OAK ST, COTTLEVILLE, MO 63304-8009
Document Number	0000007530
Map Reference	MB 2 PG 14
Instrument Date	Jan 31, 2022
Instrument	2022R-007530
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26 JACKS CABIN DR, DEFIANCE, MO 63341-1327

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5521 HIGHWAY N, COTTLEVILLE, MO 63304

Mortgage

Document Number	0000007531
Date	Feb 7, 2022
Instrument	2022R-007531

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jan 28, 2023

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$37,366.00	$561,676 (+908.7%)	$1,755,240 (+908.71%) Land $76,464 Building $1,678,776
2023		$55,683
2022			$174,009 Land $76,032 Building $97,977

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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