623 Lewis St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 623 Lewis St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,468 sqft · built 1900
Lot Size	0.118 acres (5,130 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Jan 2024)
Tax Bill	$2,546 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`019710A000`

Property Details

APN / Parcel Number

Primary APN	`019710A000`
Alternative APN	`6-009A-B210-00-0004.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,468 sqft Living Area
1st Floor Area	1,468 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,130 sqft (0.118 acres)
Lot Dimensions	171 ft deep x 30 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	95 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	019710A000
Street Address	623 LEWIS ST
City	SAINT CHARLES
State	MO
Zip	63301-1922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF2
Legal Description	PT CITY BLK 210
Legal Subdivision	CITY/STCHARLES
Legal Block	210
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1040
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

623 Lewis St is owned and occupied by an individual who bought it in January 2024.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	623 LEWIS ST, SAINT CHARLES, MO 63301-1922
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 8, 2021	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2024 · Amount on File
Deed Sale	Jan 26, 2024 · Amount on File
Prior Sale	Jul 8, 2021 · Amount on File
Deed Document Number	20243053
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 26, 2024
Property Address	623 LEWIS ST, SAINT CHARLES, MO 63301-1922
Document Number	0000003053
Instrument Date	Jan 18, 2024
Instrument	2024R-003053
Transaction Type	Transfer
Record Updated	Feb 8, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	623 LEWIS ST, SAINT CHARLES, MO 63301-1922

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 LEWIS ST, SAINT CHARLES, MO 63301-1922

Mortgage

Document Number	0000003054
Date	Jan 26, 2024
Instrument	2024R-003054

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	623 LEWIS ST, SAINT CHARLES, MO 63301-1922
Transaction Type	Mortgage
Record Updated	Oct 20, 2023
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5931 E ROCKING HORSE WAY, ORANGE, CA 92869-4365

Mortgage

Document Number	0000057641
Date	Jul 8, 2021
Instrument	2021R-057641

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 8, 2021
Property Address	623 LEWIS ST, SAINT CHARLES, MO 63301-1922
Document Number	2021R057640
Instrument Date	Jul 6, 2021
Instrument	2021R-057640
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	914 ARDSLEY DR APT 103, 914, O FALLON, MO 63366-7605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 LEWIS ST, SAINT CHARLES, MO 63301-1922

Mortgage

Document Number	2021R057641
Date	Jul 8, 2021
Instrument	2021R-057641

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 623 Lewis St was $2,546.

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		$40,509 (-)	$213,207 (-) Land $50,000 Building $163,207
2025	$2,546.00	$40,509	$213,207 Land $50,000 Building $163,207
2023		$37,927
2022			$199,627 Land $37,500 Building $162,127

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

FEMA maps place 623 Lewis St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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

The area around 623 Lewis 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.

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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