St. Charles County property record for 700 Adams St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 853 sqft · built 1880 |
| Lot Size | 0.086 acres (3,750 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,629 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 020920A000 |
| Primary APN | 020920A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 853 sqft Living Area |
| Gross Area | 1,357 sqft |
| 1st Floor Area | 853 sqft |
| Basement Area | 504 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,750 sqft (0.086 acres) |
| Lot Dimensions | 75 ft deep x 50 ft wide |
| Porch | Porch |
| Patio Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 020920A000 |
|---|---|
| Street Address | 700 ADAMS ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF2 |
| Legal Description | EUGENE GAUSS ADDN BLK 2 PT LOT 14 |
| Legal Subdivision | EUGENE GAUSS ADDN-ST CHAS |
| Legal Block | 2 |
| Legal Lot Number | 14 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1019 |
| 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.
Source: St. Charles County assessment roll, 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 | Individual Name on File |
|---|---|
| Mailing Address | 700 ADAMS ST, SAINT CHARLES, MO 63301-1824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Feb 2, 2023 |
| Transfer Doc | 0000004051 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 700 ADAMS ST, SAINT CHARLES, MO 63301-1824 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 700 ADAMS ST, SAINT CHARLES, MO 63301-1824 |
| Document Number | 0000006022 |
|---|---|
| Date | Jan 31, 2022 |
| Instrument | 2022R-006022 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2037 |
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 | $25,733 (-) | $135,436 (-) Land $36,000 Building $99,436 | |
| 2025 | $1,629.00 | $25,733 (+6.66%) | $135,436 (+6.66%) Land $36,000 Building $99,436 |
| 2023 | $24,127 | ||
| 2022 | $126,983 Land $27,000 Building $99,983 |
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.
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.
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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