St. Charles County property record for 801 Water St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,104 sqft · built 1952 |
| Lot Size | 0.142 acres (6,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $98,400 (Jul 2016) |
| Tax Bill | $1,845 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 022930A000 |
| Primary APN | 022930A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Ranch |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,200 sqft (0.142 acres) |
| Lot Dimensions | 124 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 022930A000 |
|---|---|
| Street Address | 801 WATER ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2960 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | HILL CREST PL LOT 37 |
| Legal Subdivision | HILL CREST PL |
| Legal Lot Number | 37 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 310501 |
801 Water St is owned and occupied by an individual who bought it in July 2016.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 801 WATER ST, SAINT CHARLES, MO 63301-2960 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2016 · Amount on File |
| Deed Sale | Jul 19, 2016 · Amount on File |
| Prior Sale | Dec 14, 2005 · Amount on File |
| Deed Document Number | 2016454460 |
| Deed Book / Page | 6576 / 195 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 801 WATER ST, SAINT CHARLES, MO 63301-2960 |
| Document Number | 0000007584 |
| Instrument Date | Jan 20, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 801 WATER ST ST CHARLES MO 633012960, ST CHARLES, MO 63301-2960 |
| Document Number | 0000007584 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 7584 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 25, 2051 |
The 2025 property tax bill for 801 Water St was $1,845.
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 | $29,218 (-) | $153,779 (-) Land $40,000 Building $113,779 | |
| 2025 | $1,845.00 | $29,218 | $153,779 Land $40,000 Building $113,779 |
| 2023 | $27,147 | ||
| 2022 | $142,875 Land $30,000 Building $112,875 |
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 801 Water St in Zone X, an area of minimal flood risk, though there have been 92 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 92 (1979–2020) |
| Claims Outside the SFHA | 3 of 92 |
| Most Recent Claim | Aug 2020 |
| 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 801 Water 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 480 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures