908 Madison St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 908 Madison St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,554 sqft · built 1905
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on Record
Last Sale	$368,053 (May 2022)
Tax Bill	$4,786 (2025)
Deeds & Mortgages	Mar 2021 Construction Loan May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`024730A000`

Property Details

APN / Parcel Number

Primary APN	`024730A000`
Alternative APN	`6-009C-B255-00-0031.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,554 sqft Living Area
Gross Area	2,328 sqft
1st Floor Area	1,554 sqft
Basement Area	774 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	147 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	024730A000
Street Address	908 MADISON ST
City	SAINT CHARLES
State	MO
Zip	63301-2755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT CITY BLK 255
Legal Subdivision	MADISON STREET
Legal Block	255
Legal Lot Number	31
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	1
Census Block	1029
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 April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2 LAKEVIEW DR, LAKE SAINT LOUIS, MO 63367-2222
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2021	Deed of Trust, Mortgage · Construction Mortgage DAS ACQUISITION
May 4, 2022	Warranty Deed, Transfer · Line of Credit FIRST MIDWEST BANK OF THE OZARKS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2022 · Amount on Record
Deed Sale	May 4, 2022 · Amount on Record
Prior Sale	Sep 11, 2018 · Amount on Record
Deed Document Number	202225432
Prior Transfer Date	Jan 28, 2005
Prior Transfer Doc	0000189910
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	908 MADISON ST, SAINT CHARLES, MO 63301-2755
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2206 S YOSEMITE CIR, DENVER, CO 80231-3492

Mortgage

Document Number	0000018335
Date	Mar 2, 2021
Instrument	2021R-018335

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 4, 2022
Property Address	908 MADISON ST, SAINT CHARLES, MO 63301-2755
Document Number	0000025432
Instrument Date	Apr 22, 2022
Instrument	2022R-025432
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2206 S YOSEMITE CIR, DENVER, CO 80231-3492

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 LAKEVIEW DR, LAKE SAINT LOUIS, MO 63367-2222
Investor	Possibly a Property Investor

Mortgage

Document Number	0000025433
Date	May 4, 2022
Instrument	2022R-025433

Lender

Name	FIRST MIDWEST BANK OF THE OZARKS
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$4,786.00 (+1.36%)	$70,568 (+74.51%)	$220,525 (+3.62%) Land $28,572 Building $191,953
2024	$4,722.00
2023		$40,437
2022			$212,824 Land $21,429 Building $191,395

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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