St. Charles County property record for 920 S Main St, Saint Charles, MO 63301
| Property Type | Commercial |
|---|---|
| Details | 14,848 sqft · built 1850 |
| Lot Size | 0.355 acres (15,470 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,550,000 (May 2008) |
| Tax Bill | $42,956 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 001270B000 |
| Primary APN | 001270B000 |
|---|---|
| Alternative APN |
|
| Building Area | 14,848 sqft Gross Area |
|---|---|
| 1st Floor Area | 14,848 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Exterior Material | Metal |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,470 sqft (0.355 acres) |
| Lot Dimensions | 182 ft deep x 85 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 001270B000 |
|---|---|
| Street Address | 920 S MAIN ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | AB5 |
| Legal Description | PT CITY BLK 20 W SIDE RIVERSIDE DR |
| Legal Subdivision | PARK CHAS SOUTH 04 |
| Legal Block | 20 |
| Legal Lot Number | 4 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2066 |
| Census Tract | 310502 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the St. Charles Historic District (Boundary Increase) listed 1987 · 1 contributing resources · NRIS 87000903 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: St. Charles County records, as of August 7, 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 | 2100 LOCUST ST, SAINT LOUIS, MO 63103-1616 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2008 · Amount on Record |
| Deed Sale | May 5, 2008 · Amount on Record |
| Deed Document Number | 2008327810 |
| Deed Book / Page | 4982 / 1137 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 920 S MAIN ST, SAINT CHARLES, MO 63301 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 12647 OLIVE BLVD 510, 510, SAINT LOUIS, MO 63141-6388 |
| Document Number | 0000024548 |
|---|---|
| Date | Apr 29, 2022 |
| Instrument | 2022R-024548 |
| Name | 1ST ADVANTAGE BANK |
|---|---|
| Type | Bank |
| Address | SAINT PETERS, MO 63376 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $633,058 (-) | $1,978,307 (-) Land $425,425 Building $1,552,882 | |
| 2025 | $42,956.00 | $633,058 (-15.02%) | $1,978,307 (-15.02%) Land $425,425 Building $1,552,882 |
| 2023 | $744,983 | ||
| 2022 | $2,328,074 Land $425,425 Building $1,902,649 |
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.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 22 (1979–2022) |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 345 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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