St. Charles County property record for 804 N 2nd St, Saint Charles, MO 63301
| Property Type | Commercial |
|---|---|
| Details | 5,400 sqft · built 1920 |
| Lot Size | 0.11 acres (4,785 sqft) |
| Owner | Company Name on File |
| Tax Bill | $4,118 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Mar 2020 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 003230A000 |
| Primary APN | 003230A000 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 5,400 sqft Gross Area |
| 1st Floor Area | 3,600 sqft |
| Basement Area | 1,800 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Brick |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 4,785 sqft (0.11 acres) |
| Lot Dimensions | 145 ft deep x 33 ft wide |
| Deck Area | Deck Area |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 003230A000 |
|---|---|
| Street Address | 804 N 2ND ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2039 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | PT CITY BLK 39 |
| Legal Subdivision | LSL BRIDLESPUR RESUB LT 38-42 |
| Legal Block | 39 |
| Legal Lot Number | 5 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1003 |
| 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.
804 N 2nd St, a commercial property, is owned by a company that acquired it in May 2009.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 700 TUXEDO BLVD, SAINT LOUIS, MO 63119-1947 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 2, 2021 | Deed of Trust, Mortgage · Line of Credit AMERICAN BANK OF MISSOURI |
| Mar 31, 2020 | Deed of Trust, Mortgage · Construction Mortgage MIDLAND STATES BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 2009 |
| Deed Sale | May 4, 2009 |
| Deed Document Number | 2009343350 |
| Deed Book / Page | 5176 / 544 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 804 N 2ND ST, SAINT CHARLES, MO 63301-2039 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 700 TUXEDO BLVD, WEBSTER GROVES, MO 63119-1947 |
| Document Number | 2021R073979 |
|---|---|
| Date | Sep 2, 2021 |
| Instrument | 2021R-073979 |
| Name | AMERICAN BANK OF MISSOURI |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63131 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 804 N 2ND ST, SAINT CHARLES, MO 63301-2039 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072591551 |
|---|---|
| Date | Mar 31, 2020 |
| Book Page | 7259/1551 |
| Instrument | 20200331000197490 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63105 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 804 N 2nd St was $4,118.
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 | $59,760 (-) | $217,395 (-) Land $52,635 Building $164,760 | |
| 2025 | $4,118.00 | $59,760 | $217,395 Land $52,635 Building $164,760 |
| 2023 | $57,141 | ||
| 2022 | $207,674 Land $52,635 Building $155,039 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 804 N 2nd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| 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.
The area around 804 N 2nd 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 121 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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