731 N 5th St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 731 N 5th St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,708 sqft · built 1880
Lot Size	0.174 acres (7,560 sqft)
Owner	2 Individual Names on File
Last Sale	$288,000 (Jan 2016)
Tax Bill	$4,321 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`014490A000`

Property Details

APN / Parcel Number

Primary APN	`014490A000`
Alternative APN	`6-009A-B154-00-0001.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,708 sqft Living Area
Gross Area	2,964 sqft
1st Floor Area	1,354 sqft
Basement Area	256 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,560 sqft (0.174 acres)
Lot Dimensions	140 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	219 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	014490A000
Street Address	731 N 5TH ST
City	SAINT CHARLES
State	MO
Zip	63301-1934
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT CITY BLK 154
Legal Subdivision	CITY/ST CHARLES
Legal Block	154
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1020
Census Tract	310400

Historic Designation

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.

Owner

731 N 5th St is owned and occupied by two individuals who bought it in January 2016.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	731 N 5TH ST, SAINT CHARLES, MO 63301-1934
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2016 · Amount on File
Deed Sale	Jan 19, 2016 · Amount on File
Prior Sale	Mar 15, 1999 · Amount on File
Deed Document Number	201630390
Deed Book / Page	6479 / 1299
Prior Transfer Date	Jan 14, 2014
Prior Transfer Doc	0061720406
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	731 N 5TH ST, SAINT CHARLES, MO 63301-1934
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073550067
Date	Jul 27, 2020
Book Page	7355/67
Instrument	20200727000528330

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 731 N 5th St was $4,321, up 1% from the year before.

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		$69,088 (-)	$363,620 (-) Land $50,000 Building $313,620
2025	$4,321.00 (+1.03%)	$69,088	$363,620 Land $50,000 Building $313,620
2024	$4,277.00
2023		$66,795
2022			$351,555 Land $37,500 Building $314,055

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 731 N 5th 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 731 N 5th 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 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