604 Clark St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 604 Clark St, Saint Charles, MO 63301

Property Summary

Property Type	Apartments (5+ Units)
Details	11,280 sqft · built 1965
Lot Size	0.349 acres (15,219 sqft)
Owner	Company Name on Record
Last Sale	$750,000 (Jul 2019)
Tax Bill	$9,436 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`019660A000`

Property Details

APN / Parcel Number

Primary APN	`019660A000`
Alternative APN	`6-009A-B210-00-0012.0000000`

Interior

Units	29 Units
Stories	2 Stories
Building Area	11,280 sqft Living Area
Gross Area	16,920 sqft
1st Floor Area	11,280 sqft
Basement Area	5,640 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,219 sqft (0.349 acres)
Lot Dimensions	171 ft deep x 89 ft wide
Deck Area	Deck Area
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	019660A000
Street Address	604 CLARK ST
City	SAINT CHARLES
State	MO
Zip	63301-1888
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	AF3
Legal Description	PT CITY BLK 210
Legal Subdivision	CITY/ST CHARLES
Legal Block	210
Legal Lot Number	12
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1046
Census Tract	310400

Historic Designation

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.

Owner

Source: St. Charles County records, as of August 7, 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	552 CLARK ST, SAINT CHARLES, MO 63301-1875
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2024	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK & TRUST CO
Apr 15, 2022	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK & TRUST CO
Feb 4, 2020	Loan Modification, Mortgage AMERICAN BK/MO
Jun 6, 2019	Warranty Deed, Transfer · Line of Credit ST JOHNS BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2019 · Amount on Record
Deed Sale	Jul 3, 2019 · Amount on Record
Prior Sale	Jun 6, 2019 · Amount on Record
Deed Document Number	2019335820
Deed Book / Page	7100 / 575
Prior Transfer Date	Aug 19, 2005
Prior Transfer Doc	0000780100
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	604 CLARK ST, SAINT CHARLES, MO 63301-1888
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 CLARK ST, SAINT CHARLES, MO 63301-1875

Mortgage

Document Number	0000013434
Date	Apr 10, 2024
Instrument	2024R-013434

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	604 CLARK ST, SAINT CHARLES, MO 63301-1888
Transaction Type	Mortgage
Record Updated	Apr 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 CLARK ST, SAINT CHARLES, MO 63301-1875

Mortgage

Document Number	0000021832
Date	Apr 15, 2022
Instrument	2022R-021832

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	604 CLARK ST, SAINT CHARLES, MO 63301-1888
Document Number	0072292471
Instrument Date	Feb 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	552 CLARK ST ST CHARLES MO 633011875, ST CHARLES, MO 63301-1875

Mortgage

Document Number	0072292471
Date	Feb 12, 2020
Book Page	007229/002471
Instrument	86620

Lender

Name	AMERICAN BK/MO
Type	Bank
Address	690 N SERVICE RD W, WRIGHT CITY, MO 63390

Agreement

Amount	Amount Recorded

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 6, 2019
Property Address	604 CLARK ST, SAINT CHARLES, MO 63301-1888
Document Number	0070851145
Book / Page	007085 / 001145
Instrument Date	Jun 4, 2019
Instrument	275570
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9405 FREDRIC CT ST LOUIS MO 631442111, ST LOUIS, MO 63144-2111

Mortgage

Document Number	70851147
Date	Jun 6, 2019
Book Page	007085/001147
Instrument	275580

Lender

Name	ST JOHNS BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63114

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$152,005 (-)	$800,024 (-) Land $59,999 Building $740,025
2025	$9,436.00 (-1.49%)	$152,005 (+0.86%)	$800,024 (+0.86%) Land $59,999 Building $740,025
2024	$9,579.00
2023		$150,707
2022			$793,193 Land $59,999 Building $733,194

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.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1979–1985)
Most Recent Claim	Aug 1985 · tidal / storm surge

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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