St. Charles County property record for 720 N 5th St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 4,227 sqft · built 1890 |
| Lot Size | 0.393 acres (17,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $386,000 (Jul 2014) |
| Tax Bill | $6,288 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Aug 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 010750A000 |
| Primary APN | 010750A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 4,227 sqft Living Area |
| Gross Area | 5,339 sqft |
| 1st Floor Area | 3,856 sqft |
| Basement Area | 1,483 sqft |
| Finished Basement | 371 sqft |
| Unfinished Basement | 1,112 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick |
| Lot Area | 17,120 sqft (0.393 acres) |
| Lot Dimensions | 160 ft deep x 107 ft wide |
| Porch | Open Porch |
| Porch Area | 329 sqft |
| Patio Area | 480 sqft |
| Account Number | 010750A000 |
|---|---|
| Street Address | 720 N 5TH ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1935 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT CITY BLK 121 |
| Legal Subdivision | LSL BRIDLESPUR RESUB LT 38-42 |
| Legal Block | 121 |
| Legal Lot Number | 3 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 310400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Frenchtown Historic District listed 1991 · 206 contributing resources · NRIS 91000216 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 720 N 5TH ST, SAINT CHARLES, MO 63301-1935 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Aug 10, 2020 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2014 · Amount on Record |
| Deed Sale | Jul 30, 2014 · Amount on Record |
| Prior Sale | Jan 19, 2007 · Amount on Record |
| Deed Document Number | 2014408760 |
| Deed Book / Page | 6220 / 1108 |
| Prior Transfer Date | Jan 16, 2007 |
| Prior Transfer Doc | 0046710144 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 720 N 5TH ST, SAINT CHARLES, MO 63301-1935 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 720 N 5TH ST, SAINT CHARLES, MO 63301-1935 |
| Document Number | 0000058021 |
|---|---|
| Date | Dec 29, 2025 |
| Instrument | 2025R-058021 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 19, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 720 N 5TH ST, SAINT CHARLES, MO 63301-1935 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0073671856 |
|---|---|
| Date | Aug 10, 2020 |
| Book Page | 7367/1856 |
| Instrument | 20200810000570390 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jul 27, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $100,784 (-) | $530,439 (-) Land $60,000 Building $470,439 | |
| 2025 | $6,288.00 (+4.37%) | $100,784 (+6.89%) | $530,439 (+6.89%) Land $60,000 Building $470,439 |
| 2024 | $6,025.00 | ||
| 2023 | $94,291 | ||
| 2022 | $496,268 Land $45,000 Building $451,268 |
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 |
| 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.
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 670 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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