809 McDonough St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 809 McDonough St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,533 sqft · built 1951
Lot Size	0.141 acres (6,150 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Nov 2024)
Tax Bill	$2,121 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`022660A000`

Property Details

APN / Parcel Number

Primary APN	`022660A000`
Alternative APN	`6-014B-4300-00-0011.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,533 sqft Living Area
Gross Area	2,403 sqft
1st Floor Area	1,533 sqft
Basement Area	870 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,150 sqft (0.141 acres)
Lot Dimensions	123 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	Deck Area
Patio Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	022660A000
Street Address	809 MCDONOUGH ST
City	SAINT CHARLES
State	MO
Zip	63301-2938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HILL CREST PL LOT 11 & STRIP 10X50
Legal Subdivision	HILL CREST PL
Legal Lot Number	11
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	4
Census Block	4000
Census Tract	310501

Owner

809 McDonough St is owned and occupied by two individuals who bought it in November 2024.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	809 MCDONOUGH ST, SAINT CHARLES, MO 63301-2938
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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	Nov 13, 2024 · Amount on File
Deed Sale	Nov 13, 2024 · Amount on File
Prior Sale	Dec 19, 2019 · Amount on File
Deed Document Number	202447562
Prior Transfer Date	Sep 9, 2015
Prior Transfer Doc	0064180489
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 19, 2019
Property Address	809 MCDONOUGH ST, SAINT CHARLES, MO 63301-2938
Document Number	0072021242
Book / Page	007202 / 001242
Instrument Date	Dec 18, 2019
Instrument	732940
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	809 MCDONOUGH ST ST CHARLES MO 633012938, ST CHARLES, MO 63301-2938

Mortgage

Document Number	72021244
Date	Dec 19, 2019
Book Page	007202/001244
Instrument	732950

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 18, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 809 McDonough St was $2,121.

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		$33,663 (-)	$177,173 (-) Land $40,000 Building $137,173
2025	$2,121.00	$33,663	$177,173 Land $40,000 Building $137,173
2023		$31,920
2022			$168,004 Land $30,000 Building $138,004

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 809 McDonough St in Zone X, an area of minimal flood risk.

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	4 in force

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 809 McDonough 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 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