St. Charles County property record for 809 Water St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,626 sqft · built 1950 |
| Lot Size | 0.142 acres (6,200 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $1,979 (2025) |
| Deeds & Mortgages | Sep 2025 Transfer Feb 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 022920A000 |
| Primary APN | 022920A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,626 sqft Living Area |
| Gross Area | 1,971 sqft |
| 1st Floor Area | 1,075 sqft |
| Basement Area | 896 sqft |
| Finished Basement | 551 sqft |
| Unfinished Basement | 345 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| 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 | 40 sqft |
| Patio Area | 240 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 022920A000 |
|---|---|
| Street Address | 809 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 36 |
| Legal Subdivision | HILL CREST PL |
| Legal Lot Number | 36 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 310501 |
Source: St. Charles County records, as of March 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 1015 WHITMOOR DR, WELDON SPRING, MO 63304-0579 |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
| Date | Document |
|---|---|
| Sep 17, 2025 | Intrafamily Transfer, Transfer |
| Feb 7, 2024 | Warranty Deed, Transfer · Conventional Mortgage ANZ LENDING LLC |
| Aug 11, 2023 | Warranty Deed, Transfer DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC |
| Aug 11, 2023 | Affidavit of Death of Joint Tenant, Transfer |
| Aug 11, 2023 | Warranty Deed, Transfer DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 8, 2025 |
| Deed Sale | Aug 8, 2025 |
| Prior Sale | Feb 7, 2024 · Amount on Record |
| Deed Document Number | 202534464 |
| Prior Transfer Date | Aug 10, 2023 |
| Prior Transfer Doc | 0000032295 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 17, 2025 |
| Property Address | 809 WATER ST, SAINT CHARLES, MO 63301-2960 |
| Document Number | 0000040854 |
| Map Reference | MB 4 PG 176 |
| Instrument Date | Aug 28, 2025 |
| Instrument | 2025R-040854 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1015 WHITMOOR DR, WELDON SPRING, MO 63304-0579 |
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 1015 WHITMOOR DR, WELDON SPRING, MO 63304-0579 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 7, 2024 |
| Property Address | 809 WATER ST, SAINT CHARLES, MO 63301-2960 |
| Document Number | 0000004847 |
| Map Reference | MB 4 PG 176 |
| Instrument Date | Jan 31, 2024 |
| Instrument | 2024R-004847 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2024 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 452 LYNWOOD FOREST DR, MANCHESTER, MO 63021-5511 |
| Name | Verified Name |
|---|---|
| Address | 809 WATER ST, SAINT CHARLES, MO 63301-2960 |
| Document Number | 0000004848 |
|---|---|
| Date | Feb 7, 2024 |
| Instrument | 2024R-004848 |
| Name | ANZ LENDING LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 11, 2023 |
| Property Address | 809 WATER ST, SAINT CHARLES, MO 63301-2960 |
| Document Number | 0000032297 |
| Map Reference | MB 4 PG 176 |
| Instrument Date | Aug 9, 2023 |
| Instrument | 2023R-032297 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 613 SOUTHERNSIDE LN, O FALLON, MO 63368-8427 |
| Name | Verified Name |
|---|---|
| Address | 452 LYNWOOD FOREST DR, MANCHESTER, MO 63021-5511 |
| Investor | Possibly a Property Investor |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 11, 2023 |
| Property Address | 809 WATER ST, SAINT CHARLES, MO 63301-2960 |
| Document Number | 0000032295 |
| Map Reference | MB 4 PG 176 |
| Instrument Date | Aug 9, 2023 |
| Instrument | 2023R-032295 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 423 PERUQUE HILLS PKWY, WENTZVILLE, MO 63385-5077 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 11, 2023 |
| Property Address | 809 WATER ST, SAINT CHARLES, MO 63301-2960 |
| Document Number | 0000032296 |
| Map Reference | MB 4 PG 176 |
| Instrument Date | Aug 9, 2023 |
| Instrument | 2023R-032296 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 423 PERUQUE HILLS PKWY, WENTZVILLE, MO 63385-5077 |
| Name | Verified Name |
|---|---|
| Address | 613 SOUTHERNSIDE LN, O FALLON, MO 63368-8427 |
| Investor | Possibly a Property Investor |
Source: St. Charles County assessment roll, as of August 13, 2025
| 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 |
|---|---|---|---|
| 2025 | $1,979.00 (+14.53%) | $31,370 (+17.57%) | $165,103 (+17.57%) Land $40,000 Building $125,103 |
| 2024 | $1,728.00 | ||
| 2023 | $26,681 | ||
| 2022 | $140,430 Land $30,000 Building $110,430 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
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