St. Charles County property record for 710 S 2nd St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,722 sqft · built 2023 |
| Lot Size | 0.16 acres (6,950 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $515,100 (Jul 2023) |
| Tax Bill | $7,288 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Sep 2026 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001820A000 |
| Primary APN | 001820A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,722 sqft Living Area |
| Gross Area | 4,594 sqft |
| 1st Floor Area | 989 sqft |
| Basement Area | 1,872 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,950 sqft (0.16 acres) |
| Lot Dimensions | 139 ft deep x 50 ft wide |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 312 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 001820A000 |
|---|---|
| Street Address | 710 S 2ND ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA5 |
| Legal Description | PT CITY BLK 25 |
| Legal Subdivision | CITY/STLOUIS |
| Legal Block | 25 |
| Legal Lot Number | 3 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 310502 |
Source: St. Charles County records, as of October 2, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 710 S 2ND ST, SAINT CHARLES, MO 63301-3408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK |
| Sep 22, 2026 | Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK |
| Jul 7, 2023 | Intrafamily Transfer, Transfer · Construction Mortgage FIRST STATE BANK OF ST CHARLES MO |
| Jun 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN BANK OF MISSOURI |
| Dec 14, 2017 | Warranty Deed, Transfer · FHA Mortgage REGIONS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2023 · Amount on Record |
| Deed Sale | Jul 7, 2023 · Amount on Record |
| Prior Sale | Dec 14, 2017 · Amount on Record |
| Deed Document Number | 202326781 |
| Prior Transfer Date | Jun 27, 2023 |
| Prior Transfer Doc | 0000026781 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 22, 2026 |
| Property Address | 710 S 2ND ST, SAINT CHARLES, MO 63301-3408 |
| Document Number | 0000045137 |
| Instrument Date | Sep 17, 2026 |
| Instrument | 202645137 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 710 S 2ND ST, SAINT CHARLES, MO 63301-3408 |
| Document Number | 0000045137, |
|---|---|
| Date | Sep 22, 2026 |
| Instrument | 202645137 |
| Name | CENTRAL TRUST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 22, 2026 |
| Property Address | 710 S 2ND ST, SAINT CHARLES, MO 63301-3408 |
| Document Number | 0000045138 |
| Instrument Date | Sep 17, 2026 |
| Instrument | 202645138 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 710 S 2ND ST, SAINT CHARLES, MO 63301-3408 |
| Document Number | 0000045138, |
|---|---|
| Date | Sep 22, 2026 |
| Instrument | 202645138 |
| Name | CENTRAL TRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 7, 2023 |
| Property Address | 710 S 2ND ST, SAINT CHARLES, MO 63301-3408 |
| Document Number | 0000026781 |
| Instrument Date | Jun 27, 2023 |
| Instrument | 2023R-026781 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2023 |
| Title Company | STATE LOUIS COMPANY TITLE (SLCTC), STL |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 710 S 2ND ST, SAINT CHARLES, MO 63301-3408 |
| Name | Verified Name |
|---|---|
| Address | 710 S 2ND ST, SAINT CHARLES, MO 63301-3408 |
| Document Number | 0000026782 |
|---|---|
| Date | Jul 7, 2023 |
| Instrument | 2023R-026782 |
| Name | FIRST STATE BANK OF ST CHARLES MO |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.37% |
| Type Change Date | Jul 1, 2026 |
| Change Frequency | 6 Months |
| Min Rate At Change | 6.37% |
| Max Rate At Change | 10.3% |
| Index | Other |
| Margin | 5 |
| Max Rate | 13.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 710 S 2ND ST, SAINT CHARLES, MO 63301-3408 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0070921033 |
|---|---|
| Date | Jun 20, 2019 |
| Book Page | 7092/1033 |
| Instrument | 20190620000304800 |
| Name | AMERICAN BANK OF MISSOURI |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63119 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 14, 2017 |
| Property Address | 710 S 2ND ST, SAINT CHARLES, MO 63301-3408 |
| Document Number | 0068530371 |
| Book / Page | 6853 / 0371 |
| Instrument Date | Dec 12, 2017 |
| Instrument | 20171214000773150 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CONTINENTAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2215 MAY WINE LN, 2215, O FALLON, MO 63368-8242 |
| Name | Verified Name |
|---|---|
| Address | 710 SOUTH ST, SAINT CHARLES, MO 63301 |
| Document Number | 20171214000773160 |
|---|---|
| Date | Dec 14, 2017 |
| Instrument | 20171214000773160 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
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 | $116,885 (-) | $615,183 (-) Land $50,000 Building $565,183 | |
| 2025 | $7,288.00 (+679.47%) | $116,885 (+254.4%) | $615,183 (+254.4%) Land $50,000 Building $565,183 |
| 2024 | $935.00 (-50.13%) | ||
| 2023 | $32,981 (+21.68%) | ||
| 2022 | $1,875.00 | $27,104 | $173,586 (+21.68%) Land $37,500 Building $136,086 |
| 2021 | $142,654 Land $37,500 Building $105,154 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 22 (1979–2022) |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| 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 | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 345 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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