822 Monroe St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 822 Monroe St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,448 sqft · built 1926
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (May 2006)
Tax Bill	$4,582 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`023860A000`

Property Details

APN / Parcel Number

Primary APN	`023860A000`
Alternative APN	`6-009A-B246-00-0008.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,448 sqft Living Area
Gross Area	3,873 sqft
1st Floor Area	2,448 sqft
Basement Area	1,425 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	384 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	023860A000
Street Address	822 MONROE ST
City	SAINT CHARLES
State	MO
Zip	63301-1845
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF2
Legal Description	PT CITY BLK 246
Legal Subdivision	CITY/STCHARLES
Legal Block	246
Legal Lot Number	8
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1024
Census Tract	310502

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Midtown Neighborhood Historic District listed 2014 · 537 contributing resources · NRIS 14000885

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: St. Charles County records, as of August 7, 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	2 Individual Names on Record
Mailing Address	822 MONROE ST, SAINT CHARLES, MO 63301-1845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 24, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2006 · Amount on Record
Deed Sale	May 30, 2006 · Amount on Record
Prior Sale	Sep 29, 2004 · Amount on Record
Deed Document Number	2006448990
Deed Book / Page	4493 / 1422
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	822 MONROE ST, SAINT CHARLES, MO 63301-1845
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072770145
Date	Apr 23, 2020
Book Page	7277/145
Instrument	20200423000254160

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2040

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	822 MONROE ST, SAINT CHARLES, MO 63301-1845
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072772229
Date	Apr 24, 2020
Book Page	7277/2229
Instrument	20200424000257190

Lender

Name	US BANK NA
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$73,298 (-)	$385,781 (-) Land $50,000 Building $335,781
2025	$4,582.00	$73,298 (+3.79%)	$385,781 (+3.79%) Land $50,000 Building $335,781
2023		$70,619
2022			$371,681 Land $37,500 Building $334,181

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.

Flood

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	2 in force
Nearby Flood Claims	17 (1980–2022)
Claims Outside the SFHA	3 of 17
Most Recent Claim	Aug 2022 · tidal / storm surge
Claims by Event	Severe Storms & Flooding, Aug 1993 · 10 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 630 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, 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

May also be available: T-Mobile.

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