St. Charles County property record for 712 Washington St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,753 sqft · built 1904 |
| Lot Size | 0.132 acres (5,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Jun 2021) |
| Tax Bill | $2,983 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 021180A000 |
| Primary APN | 021180A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,753 sqft Living Area |
| 1st Floor Area | 1,753 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,750 sqft (0.132 acres) |
| Lot Dimensions | 115 ft deep x 50 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 112 sqft |
| Deck Area | Deck Area |
| Patio Area | 119 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 021180A000 |
|---|---|
| Street Address | 712 WASHINGTON ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1869 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF2 |
| Legal Description | PT CITY BLK 222 |
| Legal Subdivision | CITY O ST CHARLES |
| Legal Block | 222 |
| Legal Lot Number | 12 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1041 |
| 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.
712 Washington St is owned and occupied by an individual who bought it in June 2021.
Source: St. Charles County records, as of September 10, 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 | Individual Name on File |
|---|---|
| Mailing Address | 712 WASHINGTON ST, SAINT CHARLES, MO 63301-1869 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST |
| Jun 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2021 · Amount on File |
| Deed Sale | Jun 24, 2021 · Amount on File |
| Prior Sale | Aug 12, 2003 · Amount on File |
| Deed Document Number | 202153354 |
| Prior Transfer Date | Apr 21, 2006 |
| Prior Transfer Doc | 0044841567 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 712 WASHINGTON ST, SAINT CHARLES, MO 63301-1869 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 712 WASHINGTON ST, SAINT CHARLES, MO 63301-1869 |
| Document Number | 0000053356 |
|---|---|
| Date | Jun 24, 2021 |
| Instrument | 2021R-053356 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 24, 2021 |
| Property Address | 712 WASHINGTON ST, SAINT CHARLES, MO 63301-1869 |
| Document Number | 2021R053354 |
| Instrument Date | Jun 23, 2021 |
| Instrument | 2021R-053354 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2021 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 712 WASHINGTON ST, SAINT CHARLES, MO 63301-1869 |
| Document Number | 2021R053356 |
|---|---|
| Date | Jun 24, 2021 |
| Instrument | 2021R-053356 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
The 2025 property tax bill for 712 Washington St was $2,983, up 2.5% from the year before.
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 | $47,550 (-) | $250,263 (-) Land $50,000 Building $200,263 | |
| 2025 | $2,983.00 (+2.51%) | $47,550 | $250,263 Land $50,000 Building $200,263 |
| 2024 | $2,910.00 | ||
| 2023 | $45,278 | ||
| 2022 | $238,312 Land $37,500 Building $200,812 |
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.
FEMA maps place 712 Washington St in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1980.
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.
The area around 712 Washington 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.
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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