St. Charles County property record for 815 N 2nd St, Saint Charles, MO 63301
| Property Type | Commercial |
|---|---|
| Details | 1,326 sqft · built 1885 |
| Lot Size | 0.127 acres (5,550 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,307 (2025) |
| Deeds & Mortgages | Jul 2023 Transfer Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 005070A000 |
| Primary APN | 005070A000 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,326 sqft Total Area |
| 1st Floor Area | 1,326 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1885 |
|---|---|
| Architectural Style | Unfinished |
| Exterior Material | Brick |
| Lot Area | 5,550 sqft |
| Lot Dimensions | 150 ft deep x 37 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Porch | Porch |
| Porch Area | 49 sqft |
| Patio Area | 444 sqft |
| Heating System | Forced Air |
|---|---|
| Sewer | Connected |
| Account Number | 005070A000 |
|---|---|
| Old Parcel Number | 005070A000 |
| Street Address | 815 N 2ND ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2038 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | AE8 |
| Legal Description | PT CITY BLK 62 |
| Legal Range | 05E |
| Legal Township | 47N |
| Legal Subdivision | LSL BRIDLESPUR RESUB LT 38-42 |
| Legal Block | 62 |
| Legal Lot Number | 9 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1004 |
| 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.
815 N 2nd St, a commercial property, is owned by an individual who acquired it in July 2023.
Source: St. Charles County records, as of March 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2751 CUMBERLAND LNDG, SAINT CHARLES, MO 63303-6100 |
| 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.
| Date | Document |
|---|---|
| Jul 11, 2023 | Intrafamily Transfer, Transfer |
| Jun 29, 2018 | Deed of Trust, Mortgage COUNTY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Prior Sale | Oct 24, 2014 · Amount on File |
| Last Transfer Date | Jul 11, 2023 |
| Transfer Doc | 0000027317 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 11, 2023 |
| Property Address | 815 N 2ND ST, SAINT CHARLES, MO 63301-2038 |
| Document Number | 0000027317 |
| Instrument Date | Jul 3, 2023 |
| Instrument | 2023R-027317 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2751 CUMBERLAND LNDG, SAINT CHARLES, MO 63303-6100 |
| Name | Verified Name |
|---|---|
| Address | 2751 CUMBERLAND LNDG, SAINT CHARLES, MO 63303-6100 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 815 N 2ND ST, SAINT CHARLES, MO 63301-2038 |
| Document Number | 0069471944 |
| Instrument Date | Jun 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2018 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 2751 CUMBERLAND LNDG ST CHARLES MO 633036100, ST CHARLES, MO 63303-6100 |
| Document Number | 0069471944 |
|---|---|
| Date | Jul 12, 2018 |
| Book Page | 006947/001944 |
| Instrument | 394680 |
| Name | COUNTY BK |
|---|---|
| Type | Bank |
| Address | SIGOURNEY, IA 52591 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jul 11, 2033 |
The 2025 property tax bill for 815 N 2nd St was $2,307.
Source: St. Charles County assessment roll, as of July 1, 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 | $2,307.00 | $32,872 | $102,726 Land $45,788 Building $56,938 |
| 2023 | $31,231 (+10.31%) | ||
| 2022 | $2,075.00 | $28,313 | $97,597 (+10.3%) Land $45,788 Building $51,809 |
| 2021 | $88,480 Land $45,788 Building $42,692 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 815 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 815 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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