St. Charles County property record for 820 Water St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,717 sqft · built 1965 |
| Lot Size | 0.201 acres (8,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (Jul 2023) |
| Tax Bill | $2,652 (2025) |
| Deeds & Mortgages | Jul 2023 Sale Oct 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 022940A000 |
| Primary APN | 022940A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,717 sqft Living Area |
| Gross Area | 3,749 sqft |
| 1st Floor Area | 1,717 sqft |
| Basement Area | 1,717 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,750 sqft (0.201 acres) |
| Lot Dimensions | 125 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 315 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 149 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 022940A000 |
|---|---|
| Street Address | 820 WATER ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2961 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | HILL CREST PL LOT 38 |
| Legal Subdivision | HILL CREST PL |
| Legal Lot Number | 38 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 310501 |
820 Water St is owned and occupied by two individuals who bought it in July 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 820 WATER ST, SAINT CHARLES, MO 63301-2961 |
| Occupancy | Owner Occupied |
| 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 3, 2023 | Special Warranty Deed, Transfer INVESTORS TITLE COMPANY |
| Oct 2, 2019 | Grant Deed, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2023 · Amount on File |
| Deed Sale | Jul 3, 2023 · Amount on File |
| Prior Sale | Oct 2, 2019 · Amount on File |
| Deed Document Number | 202326035 |
| Prior Transfer Date | Dec 2, 1998 |
| Prior Transfer Doc | 0000000125 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 3, 2023 |
| Property Address | 820 WATER ST, SAINT CHARLES, MO 63301-2961 |
| Document Number | 0000026035 |
| Map Reference | MB 4 PG 176 |
| Instrument Date | Jun 30, 2023 |
| Instrument | 2023R-026035 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2023 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1615 S ROCK HILL RD, SAINT LOUIS, MO 63119-5105 |
| Name | Verified Name |
|---|---|
| Address | 820 WATER ST, SAINT CHARLES, MO 63301-2961 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 2, 2019 |
| Property Address | 820 WATER ST, SAINT CHARLES, MO 63301-2961 |
| Document Number | 0071540247 |
| Book / Page | 007154 / 000247 |
| Instrument Date | Sep 24, 2019 |
| Instrument | 544710 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2019 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 1615 S ROCK HILL RD WEBSTER GROVES MO 631195105, WEBSTER GROVES, MO 63119-5105 |
The 2025 property tax bill for 820 Water St was $2,652.
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 | $42,205 (-) | $222,134 (-) Land $40,000 Building $182,134 | |
| 2025 | $2,652.00 | $42,205 | $222,134 Land $40,000 Building $182,134 |
| 2023 | $40,376 (+23.18%) | ||
| 2022 | $2,261.00 | $32,777 | $212,508 (+23.19%) Land $30,000 Building $182,508 |
| 2021 | $172,510 Land $30,000 Building $142,510 |
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.
FEMA maps place 820 Water St 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.
The area around 820 Water 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 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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