St. Charles County property record for 812 Oak Ave, Saint Charles, MO 63301
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 4,850 sqft · built 1940 |
| Lot Size | 0.193 acres (8,400 sqft) |
| Owner | Company Name on File |
| Last Sale | $6,120,600 (Aug 2022) |
| Tax Bill | $4,237 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Feb 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 077440A000 |
| Primary APN | 077440A000 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,850 sqft Living Area |
| 1st Floor Area | 4,850 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,400 sqft (0.193 acres) |
| Lot Dimensions | 48 ft deep x 175 ft wide |
| Porch | Enclosed Porch |
| Porch Area | 128 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 077440A000 |
|---|---|
| Street Address | 812 OAK AVE |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2941 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | AC5 |
| Legal Description | POWELL TERR SUB LOT 44 |
| Legal Subdivision | POWELL TERR |
| Legal Lot Number | 44 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 310501 |
812 Oak Ave, a residential property, is owned by a company that bought it in August 2022.
Source: St. Charles County records, as of July 21, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 67, WILDWOOD, MO 63040-0067 |
| Owner Type | Company |
| Vesting | Limited Liability 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, 2026 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK |
| Feb 19, 2019 | Deed of Trust, Mortgage CARROLLTON BANK |
| May 6, 2020 | Deed of Trust, Mortgage · Line of Credit CARROLLTON BK |
| Sep 18, 2018 | Grant Deed, Transfer OTHER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2022 · Amount on File |
| Deed Sale | Aug 16, 2022 · Amount on File |
| Prior Sale | Feb 24, 2004 · Amount on File |
| Deed Document Number | 202245417 |
| Prior Transfer Date | Apr 25, 2000 |
| Prior Transfer Doc | 0023980220 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 2, 2026 |
| Property Address | 812 OAK AVE, SAINT CHARLES, MO 63301-2941 |
| Document Number | 0000042172 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 202642172 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 1657 RIDGE BEND DR, GLENCOE, MO 63038-1465 |
| Document Number | 0000042172, |
|---|---|
| Date | Sep 2, 2026 |
| Instrument | 202642172 |
| Name | MERCHANTS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 30, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 812 OAK AVE, SAINT CHARLES, MO 63301-2941 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000071930 |
|---|---|
| Date | Feb 19, 2019 |
| Book Page | 7036/1982 |
| Instrument | 20190219000071930 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Amount | Amount on Record |
|---|---|
| Term | 18 Months |
| Due | Aug 15, 2020 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 812 OAK AVE, SAINT CHARLES, MO 63301-2941 |
| Document Number | 0073000641 |
| Instrument Date | May 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2020 |
| Title Company | FREEDOM TITLE, FREEDOM TITLE LLC-ST LOUIS |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 801 MIDPOINT DR O FALLON MO 633665946, O FALLON, MO 63366-5946 |
| Document Number | 0073000641 |
|---|---|
| Date | May 20, 2020 |
| Book Page | 007300/000641 |
| Instrument | 330140 |
| Name | CARROLLTON BK |
|---|---|
| Type | Bank |
| Address | 2777 W CLAY ST, ST CHARLES, MO 63301-2528 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 18, 2018 |
| Property Address | 812 OAK AVE, SAINT CHARLES, MO 63301-2941 |
| Document Number | 0069782407 |
| Book / Page | 006978 / 002407 |
| Instrument Date | Sep 5, 2018 |
| Instrument | 536590 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2018 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 801 MIDPOINT DR O FALLON MO 633665946, O FALLON, MO 63366-5946 |
The 2025 property tax bill for 812 Oak Ave was $4,237, down 2.3% from the year before.
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 | $4,237.00 (-2.33%) | $67,934 | $357,545 Land $100,000 Building $257,545 |
| 2024 | $4,338.00 | ||
| 2023 | $67,934 | ||
| 2022 | $357,545 Land $100,000 Building $257,545 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 812 Oak Ave 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.
Wildfire risk around 812 Oak Ave 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 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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