913 Madison St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 913 Madison St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1913
Lot Size	0.139 acres (6,050 sqft)
Owner	2 Trust Names on File
Deeds & Mortgages	Jun 2021 Mortgage Nov 2025 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`024810A000`

Property Details

APN / Parcel Number

Primary APN	`024810A000`
Alternative APN	`6-009C-B256-00-0003.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,680 sqft Living Area
Gross Area	2,520 sqft
1st Floor Area	840 sqft
Basement Area	840 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Architectural Style	Bi-Level
Exterior Material	Shingles
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,050 sqft (0.139 acres)
Lot Dimensions	121 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	172 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	024810A000
Street Address	913 MADISON ST
City	SAINT CHARLES
State	MO
Zip	63301-2754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT CITY BLK 256
Legal Subdivision	CITY/STCHARLES
Legal Block	256
Legal Lot Number	3
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	1
Census Block	1031
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

913 Madison St is owner-occupied and held in a trust since April 2025.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Trust Names on File
Mailing Address	913 MADISON ST, SAINT CHARLES, MO 63301-2754
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Nov 24, 2025	Beneficiary Deed, Transfer
Apr 8, 2025	Correction Deed
Apr 7, 2025	Correction Deed
Nov 13, 2018	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Apr 29, 2020	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Apr 8, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2025
Deed Sale	Apr 7, 2025
Prior Sale	Oct 6, 2014 · Amount on File
Deed Document Number	202513462
Prior Transfer Date	Apr 6, 2022
Prior Transfer Doc	0000020437
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	913 MADISON ST, SAINT CHARLES, MO 63301-2754
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 MADISON ST, SAINT CHARLES, MO 63301-2754

Mortgage

Document Number	0000046697
Date	Jun 1, 2021
Instrument	2021R-046697

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

November 2025: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 24, 2025
Property Address	913 MADISON ST, SAINT CHARLES, MO 63301-2754
Document Number	0000052974
Map Reference	MB 10 PG 3
Instrument Date	Nov 17, 2025
Instrument	2025R-052974
Transaction Type	Transfer
Record Updated	Dec 9, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 MADISON ST, SAINT CHARLES, MO 63301-2754

April 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 8, 2025
Property Address	913 MADISON ST, SAINT CHARLES, MO 63301-2754
Document Number	0000013624
Instrument Date	Apr 7, 2025
Instrument	2025R-013624
Record Updated	Dec 9, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	913 MADISON ST, SAINT CHARLES, MO 63301-2754

April 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 7, 2025
Property Address	913 MADISON ST, SAINT CHARLES, MO 63301-2754
Document Number	0000013462
Map Reference	MB 105 PG 374
Instrument Date	Apr 4, 2025
Instrument	2025R-013462
Record Updated	Dec 9, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	913 MADISON ST, SAINT CHARLES, MO 63301-2754

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	913 MADISON ST, SAINT CHARLES, MO 63301-2754
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 MADISON ST, SAINT CHARLES, MO 63301-2754

Mortgage

Document Number	0000640530
Date	Nov 13, 2018
Book Page	7001/2069
Instrument	20181113000640530

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 6, 2033

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	913 MADISON ST, SAINT CHARLES, MO 63301-2754
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000268720
Date	Apr 29, 2020
Book Page	7281/1278
Instrument	20200429000268720

Lender

Name	REGIONS BANK
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 14, 2035

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Apr 8, 2022
Property Address	913 MADISON ST, SAINT CHARLES, MO 63301-2754
Document Number	0000020437
Instrument Date	Apr 6, 2022
Instrument	2022R-020437
Transaction Type	Transfer
Record Updated	Dec 9, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	913 MADISON ST, SAINT CHARLES, MO 63301-2754

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	Assessed Value	Assessed Market Value
2026	$44,570 (-)	$234,581 (-) Land $28,572 Building $206,009
2025	$44,570	$234,581 Land $28,572 Building $206,009
2023	$43,228
2022		$227,513 Land $21,429 Building $206,084

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

FEMA maps place 913 Madison St in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1980.

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

The area around 913 Madison 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.

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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