St. Charles County property record for 95 Main St, Saint Charles, MO 63301
| Property Type | Commercial |
|---|---|
| Details | 1 ba · 5,200 sqft · built 1995 |
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | Company Name on Record |
| Last Sale | $150,001 (May 2002) |
| Tax Bill | $6,058 (2025) |
| Deeds & Mortgages | Dec 2020 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 876570A000 |
| Primary APN | 876570A000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 5,200 sqft Total Area |
| 1st Floor Area | 2,400 sqft |
| Year Built | Built 1995 |
|---|---|
| Architectural Style | Other |
| Lot Area | 34,848 sqft (0.8 acres) |
| Garage Type | Attached |
| Sewer | Connected |
|---|
| Account Number | 876570A000 |
|---|---|
| Old Parcel Number | 876570A000 |
| Street Address | 95 MAIN ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-6332 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | AC1 |
| Legal Description | PT SE 1/4 NW 1/4 |
| Legal Range | 05E |
| Legal Township | 48N |
| Legal Section | 34 |
| Legal Subdivision | HERITAGE 02 |
| Legal Lot Number | 23 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 3 |
| Census Block | 3064 |
| Census Tract | 310100 |
Source: St. Charles County records, as of March 16, 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 | 178 BELLE MAISON CT, CREVE COEUR, MO 63141-8126 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2002 · Amount on Record |
| Deed Sale | May 6, 2002 · Amount on Record |
| Deed Document Number | 0000288355 |
| Deed Book / Page | 2883 / 55 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 21, 2020 |
| Property Address | 95 MAIN ST, SAINT CHARLES, MO 63301-6332 |
| Document Number | 0000100129 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 100129 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2021 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 178 BELLE MAISON CT CREVE COEUR MO 631418126, CREVE COEUR, MO 63141-8126 |
| Document Number | 100130 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 100130 |
| Name | MIDWEST BANKCENTRE |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63125 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,058.00 | $90,828 (+6.54%) | $283,837 (+6.54%) Land $34,848 Building $248,989 |
| 2023 | $85,254 | ||
| 2022 | $266,418 Land $34,848 Building $231,570 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 132 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 132 in force |
| Nearby Flood Claims | 1,900 (1978–2026) |
| Claims Outside the SFHA | 82 of 1,900 |
| Most Recent Claim | Apr 2026 · rainfall accumulation |
| 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 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Brown Dog Networks Fixed Wireless | 50 / 10 |
| Rally Networks DSL | 25 / 3 |
May also be available: Verizon, Wisper ISP.
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