522 S 2nd St, Saint Charles, MO 63301
Property image
Property image
FOR SALE
Listed by Eric B Merchant, Trophy Properties & Auction, (636) 527-5263

522 S 2nd St
Saint Charles, MO 63301

  • 4 Beds
  • 3.5 Baths
  • 3,222 sqft

$474,900

Original price: $499,900
Est. Mortgage $2,889/mo*
Get Pre-Qualified

$474,900

Original price: $499,900
Est. Mortgage $2,889/mo*
Get Pre-Qualified
4 Beds
3.5 Baths
3,222 sqft
We estimate this home will sell faster than 82% nearby.

Local Information

  • Map ViewExplore the area around 522 S 2nd St.
  • Schools2 Elementary Schools1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

Description

Come and see a really special home in the heart of Old Town St. Charles! Walking distance to everything! Two blocks from the riverfront... but high and dry and out of the Floodplain! The home can be a Bed & Breakfast if you want to utilize the finished lower level or the upstairs for paying guests (St. Charles City is not inclined to renew short term rental permitting without owner occupancy). Plenty of room for your family and all your guests! You can see the river in the winter when the leaves are off the trees and the backyard is set up for relaxing and enjoying your beverage of choice! The home has been nicely updated and lovingly maintained... you have to check out the Home Theater! The roof, siding on the north side and several of the windows have been replaced recently. The home is Move-in Ready! Great schools, convenience to the airport, St Louis County and shopping! Oh... don't forget Bass Pro/Cabella's is right up the street! Such a great place to live! Schedule your appointment today!
We estimate this home will sell faster than 82% nearby.

Home Highlights

Parking
No Info
Outdoor
No Info
A/C
Heating & Cooling
HOA
None
Price/Sqft
$147
Listed
43 days ago

Home Details for 522 S 2nd St

Active Status

MLS Status: Active

Interior Features

Interior Details
Basement: Block,Partially Finished,Full,Walk-Out AccessNumber of Rooms: 8Types of Rooms: Primary Bedroom, Bedroom, Primary Bathroom, Bathroom, Den, Dining Room, Kitchen, Living Room, Recreation Room
Beds & Baths
Number of Bedrooms: 4Main Level Bedrooms: 4Number of Bathrooms: 4Number of Bathrooms (full): 3Number of Bathrooms (half): 1Number of Bathrooms (main level): 3
Dimensions and Layout
Living Area: 3222 Square Feet
Appliances & Utilities
Utilities: Natural Gas AvailableAppliances: Dishwasher, Disposal, Gas RangeDishwasherDisposal
Heating & Cooling
Heating: Forced Air,Natural GasHas CoolingAir Conditioning: Central Air,Dual,Gas,ZonedHas HeatingHeating Fuel: Forced Air
Fireplace & Spa
Number of Fireplaces: 1Fireplace: Gas Log, Living RoomHas a Fireplace
Gas & Electric
Electric: Other
Windows, Doors, Floors & Walls
Window: Stained Glass, Storm Window(s)Flooring: Hardwood
Levels, Entrance, & Accessibility
Levels: TwoFloors: Hardwood
Security
Security: Security Lights, Smoke Detector(s)

Exterior Features

Exterior Home Features
Other Structures: PergolaExterior: Balcony
Parking & Garage
No CarportNo Garage
Water & Sewer
Sewer: Public Sewer
Finished Area
Finished Area (above surface): 2648 Square FeetFinished Area (below surface): 574

Days on Market

Cumulative Days on Market: 16Days on Market: 43

Property Information

Year Built
Year Built: 2001
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceStructure Type: HouseArchitecture: Colonial,Historic,Other
Building
Construction Materials: Brick Veneer, Vinyl SidingNot a New ConstructionDoes Not Include Home Warranty
Property Information
Condition: Updated/RemodeledParcel Number: 6014AB027000005.0000000

Price & Status

Price
List Price: $474,900Price Per Sqft: $147
Status Change & Dates
Possession Timing: Close Of Escrow

Location

Direction & Address
City: St CharlesCommunity: City/St Charles
School Information
Elementary School: Lincoln Elem.Jr High / Middle School: Jefferson / HardinHigh School: St. Charles HighHigh School District: St. Charles R-VI

Agent Information

Listing Agent
Listing ID: 26030224

Building

Building Area
Building Area: 3222 Square Feet

Community

Not Senior Community

HOA

Association for this Listing: St. Charles County Association of REALTORSNo HOA

Lot Information

Lot Area: 7239.672 sqft

Listing Info

Special Conditions: Standard

Offer

Listing Terms: Cash, Conventional, FHA, VA Loan

Business

Business Information
Ownership: Private

Miscellaneous

BasementMls Number: 26030224Above Grade Unfinished Area: 2648Showing Requirements: Appointment Only, Call Listing Agent, Register and Show
Last check for updates: about 14 hours ago
Listing Provided by: Eric B Merchant, (314) 541-1218
Trophy Properties & Auction
Originating MLS: St. Charles County Association of REALTORS
Source: MARIS, MLS#26030224
Also Listed on MARIS, Trophy Properties & Auction.

Market trends in Saint Charles

Last updated May 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$317K
$2.88KMoM
Sale-to-List Price
100.0%
0.4%MoM
Price per sq ft
$176
$3MoM
Available listings
285
39MoM

Price History for 522 S 2nd St

DatePriceEventSource
06/11/2026$474,900PriceChange
MARIS #26030224
05/26/2026$499,900Listed For SaleMARIS #26030224
08/04/2021--Sold
MARIS #21039255
07/22/2021$349,900PendingMARIS #21039255
06/27/2021$349,900ContingentMARIS #21039255
06/16/2021$349,900Listed For SaleMARIS #21039255

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Property Tax and Assessment

Year2025
Tax$7,603
Assessment$351,135
Home facts updated by county records

Comparable Sales for 522 S 2nd St

Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
909 S 4th St, Saint Charles, MO
0.26
Single-Family Home
-
08/15/25
3
2.5
2,656
726 S 8th St, Saint Charles, MO
0.49
Single-Family Home
-
09/17/25
4
2
2,820
621 Jackson St, Saint Charles, MO
0.34
Single-Family Home
-
11/07/25
3
2.5
1,743
626 Tompkins St, Saint Charles, MO
0.41
Single-Family Home
-
04/09/26
3
2.5
2,052
1001 Pike St, Saint Charles, MO
0.63
Single-Family Home
-
08/28/25
4
3
3,553
215 N 4th St, Saint Charles, MO
0.42
Single-Family Home
-
12/09/25
4
2
1,474
128 N 6th St, Saint Charles, MO
0.49
Single-Family Home
-
11/06/25
4
4
3,911
816 Monroe St, Saint Charles, MO
0.68
Single-Family Home
-
08/25/25
4
3.5
2,855
627 S Benton Ave, Saint Charles, MO
0.32
Single-Family Home
-
06/23/26
3
1.5
1,420
553 Lewis St, Saint Charles, MO
0.70
Single-Family Home
-
11/20/25
4
3
2,548

Nearby homes

Get a sense of prices in the area by checking nearby homes.
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Assigned Schools

These are the assigned schools for 522 S 2nd St.
View nearby schools on GreatSchools
The GreatSchools Rating compares schools on a variety of school quality indicators including test scores, college readiness, equity and more. Learn more.

What Locals Say about Saint Charles

At least 377 Trulia users voted on each feature.

  • 90 % Say it's dog friendly

  • 88 % Say car is needed

  • 79 % Say parking is easy

  • 75 % Say there's holiday spirit

  • 73 % Say there are sidewalks

  • 73 % Say yards are well-kept

  • 71 % Say people would walk alone at night

  • 71 % Say kids play outside

  • 67 % Say streets are well-lit

  • 62 % Say it's quiet

  • 55 % Say they plan to stay for at least 5 years

  • 52 % Say neighbors are friendly

  • 48 % Say it's walkable to restaurants

  • 47 % Say there's wildlife

  • 46 % Say it's walkable to grocery stores

  • 33 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • Trulia User
    "We have taco Tuesday and ice cream day they do a lot in this neighborhood they sometimes have where we can come and get snack bags or they do a haunted house for Halloween real quiet and nice "
    0
    Flag
  • Colleen Dietmeyer
    "A very family friendly area with a lot of sidewalks for great walks with your dogs. Grocery store and restaurants all in walking distance. "
    0
    Flag
  • Colleen Dietmeyer
    "Lots of dogs around and everyone is out walking them all of the time. I’m disappointed there is no dog park tho. "
    0
    Flag
  • C9jy2pzc47
    "I would say the downtown area is very well maintained, with events and festivals happening every other week."
    0
    Flag
  • Terri Hoover
    "This area is a great family area. I’ve been here for almost 3 yrs and have heard of no issues in the neighborhood.the people are friendly and help each other."
    0
    Flag
  • topguyno1
    "I lived here for three years and its great place secured friendly and great schools. Close to shopping and very convenient "
    0
    Flag
  • Terri Hoover
    "This is a great family neighborhood with friendly neighbors who take care of each other. They are respectful of your privacy but are there to help if you need it"
    0
    Flag
  • Terri Hoover
    "People walk their dogs. People who have dogs keep them in gated yards and they do not wander the neighborhood."
    0
    Flag
  • AySha
    "Love to walk the dog around but it’s grass everywhere and others could bring there dog over to your side of the grass "
    0
    Flag
  • Cody Lester
    "Friendly community with many activities for kids, teens, and adults. There’s something for everybody "
    0
    Flag
  • Bigmacattack 1
    "Commute is touch and go. morning Traffic on the highways are bad. evening Traffic on the highways are bad. side roads are touch and go"
    1
    Flag
  • Juliegold787
    "I moved here out of necessity almost 6 yrs ago and I think it's one of the most friendly, eclectic and progressive neighborhoods....even though it's historical. Quaint and has seasonal appeal. "
    19
    Flag
  • Charity W.
    "it's a nice suburban area. most ppl r friendly and for the most part it's relatively safe and worry free."
    1
    Flag
  • Boyer_k
    "The area is growing, it is a great location, great restaurants and family oriented. The Historic District is special."
    4
    Flag
  • Ymitchell27
    "It’s quite and family oriented. Is walkable and a lot of dog owners in the area. A lot of shops and restaurants nearby."
    1
    Flag
  • Kelsey P.
    "Great family area. Great schools. Great sports teams and a lot of other supportive parents around. Lots of childcare options. "
    0
    Flag
  • Hugo C.
    "Diekamp estate is one of the best neighborhoods in Saint Charles. Children are safe to play in the streets. "
    0
    Flag
  • Raad Q.
    "I live close to major highways so commute is very easy and fast, very accessible. We love the city we wouldnt wanna stay anywhere else. "
    2
    Flag
  • Juliegold787
    "I work from home however everything I need or want is in walking distance. I do own a car however this community is very convenient "
    1
    Flag
  • Wilkins M.
    "The neighborhood is clean well maintenance quiet low crime well lit at night active during the day. A lot of privacy beautiful trees beautiful yards. No public transportation"
    2
    Flag
  • Marknvickit
    "Theirs a park down the street and a dog park about 3 mile away, great for families and pet friendly !"
    0
    Flag
  • Ymitchell27
    "Plenty of grocery store, shopping centers and movie theater in the area. Great school district and walkable neighborhood."
    3
    Flag
  • Charles H.
    "Like all places do your homework, it has very bad parts too. Crime and drugs are rising here. We had cars Brocken into regularly since we moved here. Now leaving the area. So look at crime maps and police reports "
    21
    Flag
  • Betsy
    "Historical Main Street is unique. Small shops businesses and restaurants offer a variety of fun. Parks and schools are great for kids."
    1
    Flag
  • Kirstie Y.
    "Everyone walks their dogs and it’s clean and friendly. There are some sidewalks that just stop randomly. "
    1
    Flag
  • Rachel M.
    "Ppl are very friendly and not afraid of your dog. I have a larger breed. I see a lot of Ppl with large breeds they are very welco.e and there is a dog park very close by "
    0
    Flag
  • Betsy
    "St. Charles is safe. I would tear my whole life and everyone is very friendly and there is a lot to do here"
    1
    Flag
  • Ally C.
    "Everyone here has a dog, maybe multiple! The dog park is nice, and friendly and the apartment complexes are mostly pet friendly. We have a dog who loves to walk around the neighborhood and we always pass others with dogs. Not everyone picks up poop but there is a ton of doggie stations for bags! Personally we were inspired to get a dog because so many people had one here already and we wanted to join in on the fun! Main Street is pet friendly too and the Katy trail is a great path for dogs. "
    0
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  • Brenda V.
    "Close to highways. Safe. Quiet. Close to schools. Part of St Charles city. Sideways for safe walking. "
    0
    Flag
  • Kngfsh1979
    "Unique houses, grid street network, walkable to school, church, entertainment, restaurants. Proximity to festivals, events. "
    2
    Flag
  • Tanisha P.
    "St. Charles has always been my favorite place to live! you can walk safely for miles. The Katy trail and Main street are worth paying a little more to live within walking distance, but I will say the cost of living has started to really increase in the past 5 years in this area."
    4
    Flag
  • Lisa L. F.
    "No dogs running around loose. Almost everyone picks up after their dogs. Lots of places for boarding and/or grooming "
    0
    Flag
  • Grnii72
    "Near most highways.Can get downtown in 30 minutes in normal traffic. Very centrally located. Close to 3 major malls. "
    0
    Flag
  • Dorenda S.
    "People aren’t the friendliest but it is in a good location and clean. I’ve lived in better subdivisions and looking to get back to one of them"
    2
    Flag
  • Osaindon2015
    "County police events, school football games and shopping and close by entertainment like movies and go karts "
    0
    Flag
  • Jean S.
    "We live near old town St Charles . They have a lot of events. It is really not a neighborhood like most because of all the streets are arteries for Main Street."
    0
    Flag
  • Stuff, W. S.
    "congested due to construction to fix the previous construction plan, which was a total fail in my opinion. could be worse though."
    0
    Flag
  • Donna
    "The parks and libraries are great. It's very safe and a great area to raise a family. There are lots of great churches to attend as well. "
    1
    Flag
  • Jkzwyers
    "gun and knife show, casinos, park's and recreation, creeks, rivers, and boating. festivals, carnivals, and parties."
    0
    Flag

LGBTQ Local Legal Protections

Eric B Merchant, Trophy Properties & Auction
Agent Phone: (314) 541-1218
IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Some IDX listings have been excluded from this website. Click here for more information
522 S 2nd St, Saint Charles, MO 63301 is a 4 bedroom, 4 bathroom, 3,222 sqft single-family home built in 2001. This property is currently available for sale and was listed by MARIS on May 15, 2026. The MLS # for this home is MLS# 26030224.