St. Charles County property record for 815 Oak Ave, Saint Charles, MO 63301
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1 ba · 850 sqft · built 1940 |
| Lot Size | 0.011 acres (475 sqft) |
| Owner | Company Name on File |
| Last Sale | $6,120,600 (Aug 2022) |
| Tax Bill | $479 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Feb 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A926000068 |
| Primary APN | A926000068 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 850 sqft Living Area |
| 1st Floor Area | 425 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Bi-Level |
| Exterior Material | Concrete Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 475 sqft (0.011 acres) |
| Porch | Open Porch |
| Porch Area | 32 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A926000068 |
|---|---|
| Street Address | 815 OAK AVE |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2940 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | AC5 |
| Legal Description | POWELL TERR CONDO LOT 46 UNIT 815 |
| Legal Subdivision | POWELL TERR LOT 46 CONDO |
| Legal Lot Number | 46 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 310501 |
815 Oak Ave, a condominium, is owned by a company that bought it in August 2022.
Source: St. Charles County records, as of September 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 67, WILDWOOD, MO 63040-0067 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Sep 2, 2026 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK |
| Feb 19, 2019 | Grant Deed, 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 25, 2004 · Amount on File |
| Deed Document Number | 202245417 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 2, 2026 |
| Property Address | 815 OAK AVE, SAINT CHARLES, MO 63301-2940 |
| 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 | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 19, 2019 |
| Property Address | 815 OAK AVE, SAINT CHARLES, MO 63301-2940 |
| Document Number | 0070361982 |
| Book / Page | 007036 / 001982 |
| Instrument Date | Feb 15, 2019 |
| Instrument | 71930 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2019 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 801 MIDPOINT DR O FALLON MO 633665946, O FALLON, MO 63366-5946 |
| Document Number | 70361982 |
|---|---|
| Date | Feb 19, 2019 |
| Book Page | 007036/001982 |
| Instrument | 71930 |
| Name | CARROLLTON BK |
|---|---|
| Type | Bank |
| Address | 2777 W CLAY ST, ST CHARLES, MO 63301-2528 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Feb 18, 2020 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 18, 2018 |
| Property Address | 815 OAK AVE, SAINT CHARLES, MO 63301-2940 |
| 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 815 Oak Ave was $479, up 2.6% 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 | $7,208 (-) | $37,938 (-) Building $37,938 | |
| 2025 | $479.00 (+2.57%) | $7,208 | $37,938 Building $37,938 |
| 2024 | $467.00 | ||
| 2023 | $6,846 | ||
| 2022 | $36,029 Building $36,029 |
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 815 Oak Ave 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 risk around 815 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 |
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