918 N 2nd St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 918 N 2nd St, Saint Charles, MO 63301

Property Summary

Property Type	Commercial
Details	2,949 sqft · built 1870
Lot Size	0.092 acres (4,051 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,166 (2025)
Deeds & Mortgages	Dec 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`T170600168`

Property Details

APN / Parcel Number

Primary APN	`T170600168`
Alternative APN	`6-009A-C422-00-000B.0000000`

Interior

Building Area	2,949 sqft Total Area
Basement Area	252 sqft

Exterior

Year Built	Built 1870
Lot Area	4,051 sqft (0.092 acres)
Garage Type	Attached

Location & Zoning

Account Number	T170600168
Street Address	918 N 2ND ST
City	SAINT CHARLES
State	MO
Zip	63301-2041
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	918 & 924 N 2ND BDRY ADJ LOT B
Legal Range	05E
Legal Township	47N
Legal Subdivision	918 & 924 N 2ND BDRY ADJ
Legal Lot Number	B
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2054
Census Tract	310400

Historic Designation

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

Historic District	Within the Frenchtown Historic District listed 1991 · 206 contributing resources · NRIS 91000216

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

Owner

918 N 2nd St, a commercial property, is owned by two individuals who acquired it in November 2017.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	903 N 3RD ST, SAINT CHARLES, MO 63301-5417
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2017
Deed Sale	Nov 15, 2017
Prior Sale	Nov 9, 2016 · Amount on File
Deed Document Number	20171115000712290
Deed Book / Page	6838 / 2332
Record Updated	Jun 8, 2026

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	918 N 2ND ST, SAINT CHARLES, MO 63301-2041
Document Number	0068570296
Book / Page	006857 / 000296
Instrument Date	Dec 11, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	903 N 3RD ST ST CHARLES MO 633015417, ST CHARLES, MO 63301-5417

Mortgage

Document Number	0068570296
Date	Dec 26, 2017
Book Page	006857/000296
Instrument	789020

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301-1852

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Dec 25, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 918 N 2nd St was $3,166.

Source: St. Charles County assessment roll, as of July 1, 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	$3,166.00	$45,114	$140,982 Land $30,000 Building $110,982
2023		$43,557
2022			$136,115 Land $30,000 Building $106,115

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 918 N 2nd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 55 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	89 (1979–2022)
Claims Outside the SFHA	19 of 89
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 4 claims Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Jun 2013 · 2 claims Severe Storms & Flooding, Sep 1993 · 55 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 918 N 2nd 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 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · 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
T-Mobile Fixed Wireless	100 / 20