St. Charles County property record for 5540 Chestnut St, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,476 sqft · built 1900 |
| Lot Size | 0.364 acres (15,840 sqft) |
| Owner | Company Name on File |
| Last Sale | $350,000 (Aug 2023) |
| Tax Bill | $1,442 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 561150A000 |
| Primary APN | 561150A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,476 sqft Living Area |
| Gross Area | 3,706 sqft |
| 1st Floor Area | 1,246 sqft |
| Basement Area | 1,230 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 15,840 sqft (0.364 acres) |
| Lot Dimensions | 132 ft deep x 120 ft wide |
| Porch | Open Porch |
| Porch Area | 330 sqft |
| Patio Area | 64 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 561150A000 |
|---|---|
| Street Address | 5540 CHESTNUT ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-8010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA1 |
| Legal Description | PITMANS ADDN COTTLEVILLE BLK 4 LOTS 1 & 2 |
| Legal Subdivision | PITMANS ADDN-COTTLEVILLE |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 311124 |
5540 Chestnut St is owned by a company that bought it in August 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 5330 HIGHWAY N, SAINT CHARLES, MO 63304-7648 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2023 · Amount on File |
| Deed Sale | Aug 23, 2023 · Amount on File |
| Deed Document Number | 202334209 |
| Prior Transfer Date | May 24, 2019 |
| Prior Transfer Doc | 0000282300 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 23, 2023 |
| Property Address | 5540 CHESTNUT ST, SAINT CHARLES, MO 63304-8010 |
| Document Number | 0000034209 |
| Map Reference | MB 422 PG 569 |
| Instrument Date | Aug 21, 2023 |
| Instrument | 2023R-034209 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 702 ASHLAND AVE, WARRENTON, MO 63383-1604 |
| Name | Verified Name |
|---|---|
| Address | 5330 HIGHWAY N, SAINT CHARLES, MO 63304-7648 |
| Document Number | 0000034210 |
|---|---|
| Date | Aug 23, 2023 |
| Instrument | 2023R-034210 |
| Name | PEOPLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 5540 Chestnut St was $1,442.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Cottleville City |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $23,104 (-) | $121,598 (-) Land $74,550 Building $47,048 | |
| 2025 | $1,442.00 | $23,104 | $121,598 Land $74,550 Building $47,048 |
| 2023 | $18,992 | ||
| 2022 | $99,959 Land $56,000 Building $43,959 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 5540 Chestnut St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 5540 Chestnut St is low, with a 0.02% annual chance of 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.
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 |
| 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.
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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