St. Charles County property record for 809 Ferguson St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,122 sqft · built 1960 |
| Lot Size | 0.232 acres (10,125 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $212,000 (Aug 2023) |
| Tax Bill | $2,768 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 027460A000 |
| Primary APN | 027460A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,122 sqft Living Area |
| Gross Area | 2,528 sqft |
| 1st Floor Area | 1,368 sqft |
| Basement Area | 1,160 sqft |
| Finished Basement | 754 sqft |
| Unfinished Basement | 406 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,125 sqft (0.232 acres) |
| Lot Dimensions | 135 ft deep x 75 ft wide |
| Garage Type | Carport |
| Garage Area | 264 sqft |
| Carport | Carport |
| Carport Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 78 sqft |
| Patio Area | 520 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 027460A000 |
|---|---|
| Street Address | 809 FERGUSON ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | R H PARKS ADDN BLK 2 PT LOTS 1 & 2 |
| Legal Subdivision | PARKS ADDN |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 310302 |
809 Ferguson St is owned and occupied by two individuals who bought it in August 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 809 FERGUSON ST, SAINT CHARLES, MO 63301-1720 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Aug 2, 2023 · Amount on File |
| Deed Sale | Aug 2, 2023 · Amount on File |
| Prior Sale | Aug 25, 2017 · Amount on File |
| Deed Document Number | 202330729 |
| Prior Transfer Date | May 18, 2005 |
| Prior Transfer Doc | 0000453530 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 2, 2023 |
| Property Address | 809 FERGUSON ST, SAINT CHARLES, MO 63301-1720 |
| Document Number | 0000030729 |
| Map Reference | MB 2 PG 59 |
| Instrument Date | Jul 31, 2023 |
| Instrument | 2023R-030729 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 809 FERGUSON ST, SAINT CHARLES, MO 63301-1720 |
| Document Number | 0000030731 |
|---|---|
| Date | Aug 2, 2023 |
| Instrument | 2023R-030731 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2053 |
The 2025 property tax bill for 809 Ferguson St was $2,768, up 6.1% 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 | $44,080 (-) | $232,002 (-) Land $50,000 Building $182,002 | |
| 2025 | $2,768.00 (+6.09%) | $44,080 | $232,002 Land $50,000 Building $182,002 |
| 2024 | $2,609.00 | ||
| 2023 | $40,552 (+18.26%) | ||
| 2022 | $2,364.00 | $34,291 | $213,430 (+18.26%) Land $40,000 Building $173,430 |
| 2021 | $180,480 Land $35,000 Building $145,480 |
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 809 Ferguson St in Zone X, an area of minimal flood risk, though there have been 63 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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 63 (1979–2022) |
| Claims Outside the SFHA | 3 of 63 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| 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.
Wildfire risk around 809 Ferguson St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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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