St. Charles County, Missouri — Tax Sale & Surplus Procedure

Local operations layer. The legal framework (redemption periods, surplus rights, statutes, case law) lives on the parent page → missouri. This page covers how St. Charles County actually runs it. Legal information, not legal advice. Last verified: 2026-06-02.

REGIME: Chapter 140 RSMo — collector-run certificate-of-purchase sale. St. Charles County is a first-class charter county but operates under the default Chapter 140 “Jones-Munger” regime, NOT Chapter 141 (judicial). The Collector of Revenue conducts an annual tax certificate sale on the fourth Monday of August. Buyers receive a certificate of purchase (lien), which may ripen into a collector’s deed after the redemption period expires and the RSMo 140.405 notice process is completed. Subsequent (post-third-offering) sales convey an immediate deed with no redemption. Surplus goes first to lienholders of record, then the former owner, and escheats to the county permanent school fund after three years (RSMo 140.230).

C0. Identity

• County seat: St. Charles, MO
• Population (2020 census): 405,262 (FIPS 29183)
• Recording unit: county
• Government type: First-class charter county; County Council (7 districts)
  • County Executive
• Parent legal framework: missouri (Chapter 140 — collector sale; Chapter 141 does NOT apply to St. Charles County)

C1. Local Tax Sale

• Conducts own sale? Yes — the Collector of Revenue (Michelle D. McBride) conducts the annual Tax Certificate Sale under Chapter 140 RSMo. Source: sccmo.org/collector (retrieved 2026-06-02).

• Platform: In-person auction at the St. Charles County Administration Building, Room 116, 201 N. Second St., St. Charles, MO 63301. Opening comments begin at 10 a.m. CDT. The county operates a public access portal (Aumentum Technologies / DotNetNuke-based, branded as mo-stcharles-collector.publicaccessnow.com) for tax payment, account lookup, and the Tax Sale Listing — but the auction itself is conducted in person, not online. Source: sccmo.org/283/Tax-Sale-Information (retrieved 2026-06-02); mo-stcharles-collector.publicaccessnow.com (retrieved 2026-06-02; platform vendor copyright “Aumentum Technologies” confirmed).

• Sale calendar:

  • Frequency: Annual
  • Statutory date: Fourth Monday of August (RSMo 140.250)
  • Most recent sale: August 25, 2025 (confirmed from Tax Sale Listing)
  • Next known sale (2026): Fourth Monday of August 2026 = August 24, 2026 (calculated from statutory date; no official 2026 confirmation page retrieved — needs_verification)
  • 2025 sale confirmed from listing: August 25, 2025, with surplus distributions recorded (e.g., $101,854.05;$167,858.05; $81,006.95;$119,557.55 — multiple properties with substantial surplus)
  • Source: mo-stcharles-collector.publicaccessnow.com/Welcome/TaxSaleListing.aspx (retrieved 2026-06-02)

• Minimum bid: Outstanding amount on the PIN plus $24 to cover the Recording Fee of the Certificate of Purchase. Parcels offered for the fourth time and beyond follow RSMo 140.260.8 pricing. Source: sccmo.org/283/Tax-Sale-Information (retrieved 2026-06-02).

• Registration requirements:

  • Complete “Application for Bidding at the Tax Certificate Sale” and a statement of non-delinquency
  • Application must be notarized (free notary available at the Collector’s Office, Mon–Fri 8 a.m.–5 p.m.)
  • Pre-register before the sale date (specific cut-off not stated on retrieved pages — needs_verification)
  • Non-residents and businesses must also execute a “designation of resident agent” with agent acceptance documents
  • Forms available: Application for Individual; Application for Missouri entity; Application for non-Missouri entity; Designation of Agent; Agent Acceptance
  • Source: sccmo.org/283/Tax-Sale-Information (retrieved 2026-06-02)

• Deposit: Not stated on retrieved official pages — needs_verification. Payment method for winning bids not specified on retrieved pages (cashier’s check typical for Missouri collector sales — needs_verification of St. Charles County specific requirement).

• Delinquent list location:

  • Tax Sale Listing (all current and historical offered parcels, with sale results, redemption status, deed status, and surplus amounts): https://mo-stcharles-collector.publicaccessnow.com/Welcome/TaxSaleListing.aspx
  • Source: sccmo.org/283/Tax-Sale-Information; listing page retrieved 2026-06-02.

C2. Local Redemption → framework: right-of-redemption

• Where/how to redeem locally:

  • Pay to the Collector of Revenue, 201 N. Second St., Suite 134, St. Charles, MO 63301
  • Online redemption request form available at: sccmo.org/FormCenter/Collector-of-Revenue-8/Redemption-Request-51
  • Form requires: PIN (Assessor Account Number), property owner name, party redeeming, property address, redeemer contact info, and anticipated redemption month/year
  • Eligibility: “Redeemer must be the owner / occupant or a person / entity prescribed in Section 140.340 RSMo” (per form language)
  • Source: sccmo.org/collector (retrieved 2026-06-02); redemption request form page (retrieved 2026-06-02)

• Local fees: Full certificate purchase amount + sale costs + up to 10%/yr interest + subsequent taxes paid by holder at 8%/yr (RSMo 140.340); no additional county-specific fees identified beyond the statutory formula. No interest is owed to the holder on the overbid/surplus amount. Source: RSMo 140.340 (cited in missouri module 2).

• Redemption periods (inherited from Chapter 140; no local deviations identified):

  • First or second offering: at least 1 year from sale date, running until purchaser acquires the collector’s deed (RSMo 140.340)
  • Third offering: 90 days (RSMo 140.250, 140.405)
  • Subsequent (post-third) offering: NO redemption — immediate collector’s deed (RSMo 140.250)

• Redemption contact:

  • Office: Collector of Revenue
  • Address: 201 N. Second St., Suite 134, St. Charles, MO 63301
  • Phone: 636-949-7470
  • Email: collector@sccmo.org
  • URL: https://www.sccmo.org/collector
  • Hours: Monday–Friday, 8 a.m.–5 p.m.
  • Source: sccmo.org/collector (retrieved 2026-06-02)

• Deviations from state default: None identified. St. Charles County follows the standard Chapter 140 redemption framework.

C3. Local Surplus / Excess Proceeds → framework: surplus-funds

KEY MODULE for surplus recovery operations.

• Statutory framework: RSMo 140.230 governs surplus. After the minimum bid satisfies all taxes/costs, any amount bid above that threshold is surplus, paid into the county treasury. Distribution waterfall:

  1. Former lienholders of record (by lien priority as of the tax sale date)
  2. Former owner(s) of the property Confirmed from the Tax Sale Listing page which quotes the RSMo 140.230 three-year escheat provision verbatim. Source: RSMo 140.230 (retrieved via revisor.mo.gov 2026-06-02); mo-stcharles-collector.publicaccessnow.com/ Welcome/TaxSaleListing.aspx (retrieved 2026-06-02 — confirms the 3-year escheat language appears on the county’s own listing site).

• Claim filing venue:

  • Per RSMo 140.230, surplus claims are filed with the county commission. The county commission may interplead in the circuit court if multiple parties claim and cannot agree.
  • St. Charles County Commission contact: 201 N. Second St., St. Charles, MO 63301; main line 636-949-7900. (Specific commission phone/URL for surplus claims not confirmed from a directly retrieved dedicated page — needs_verification.)
  • No dedicated “Excess Proceeds” page was located on sccmo.org during research (several guessed URLs returned 404). Claimants should contact the Collector’s Office (636-949-7470) or County Commission directly.
  • Source: RSMo 140.230 (retrieved 2026-06-02); sccmo.org/collector (retrieved 2026-06-02)

• Claim form: No St. Charles County-specific surplus claim form was located on the official website during research — needs_verification. RSMo 140.230 requires only a written claim with recording reference information for any lien claimed.

• Local deadline notes:

  • Written claim must be filed with the county commission within 90 days after the expiration of the redemption period (RSMo 140.230)
  • No surplus distributed to any party until 90 days have passed after redemption expiry (RSMo 140.230)
  • Escheat deadline: Unclaimed surplus funds become the permanent school fund of the county after three years (RSMo 140.230) — confirmed verbatim on St. Charles County’s own Tax Sale Listing portal (retrieved 2026-06-02)
  • Source: RSMo 140.230; mo-stcharles-collector.publicaccessnow.com (retrieved 2026-06-02)

• Unclaimed list published? Yes — the Tax Sale Listing at https://mo-stcharles-collector.publicaccessnow.com/Welcome/TaxSaleListing.aspx shows all sold parcels organized by offering (First, Second, Third, Subsequent) with owner name, PIN, minimum bid, winning bid, surplus amount, and status (Redeemed / Released / Deed Issued / Deed Pending). This effectively functions as an unclaimed-surplus lookup. The 2025 sale listing showed multiple properties with surplus ranging from ~$80K to$170K. Source: Tax Sale Listing (retrieved 2026-06-02).

• Contact for surplus claims:

  • Primary contact: Collector of Revenue, Michelle D. McBride
  • Phone: 636-949-7470
  • Email: collector@sccmo.org
  • Address: 201 N. Second St., Suite 134, St. Charles, MO 63301
  • (Dedicated County Commission surplus-claims contact — needs_verification)

• Tyler v. Hennepin note: The three-year escheat of unclaimed Chapter 140 surplus to the county permanent school fund (RSMo 140.230) is the principal Tyler-vulnerable provision. St. Charles County’s own Tax Sale Listing page quotes this escheat language directly. See tyler-v-hennepin-county and missouri module 3.

▸ For Investors / Operators — St. Charles County runs an in-person Chapter 140 certificate-of-purchase sale on the fourth Monday of August (2026: August 24) at the Administration Building, Room 116, with a notarized application and non-delinquency statement required in advance. First- and second-offering certificates carry a one-year redemption period; third-offering properties have a 90-day window; post-third-offering parcels convey an immediate collector’s deed with no redemption. After redemption expiry the deed path requires submitting the Certificate of Purchase, Certificate of Value, Affidavit of Notification, and ~$30 recording fee to the Collector of Revenue. Surplus from the 2025 sale (August 25, 2025) included multiple properties at five- and six-figure amounts; see the Tax Sale Listing at mo-stcharles-collector.publicaccessnow.com for current status.

▸ For Former Owners — Under RSMo 140.230, if a tax-certificate sale bid exceeds the minimum, the overage flows first to lienholders of record, then to the former owner. A written claim must be filed with the St. Charles County Commission within 90 days after the redemption period expires; no surplus is distributed until 90 days after redemption expiry. Funds unclaimed for three years escheat to the county permanent school fund (RSMo 140.230). Contact the Collector of Revenue (636-949-7470; collector@sccmo.org) for the civil action number and to identify the County Commission contact for filing your claim.

C4. Offices & Contacts

Note: The Sheriff’s Office handles civil process and court security but does not conduct the tax certificate sale. The Collector of Revenue runs the Chapter 140 sale. The Sheriff would only be involved in a mortgage foreclosure if a judicial (vs. trustee’s-sale) process were used, which is rare in Missouri. Source: sccmo.org/sheriff (retrieved 2026-06-02 — no tax sale role identified).

C5. Local Procedure Notes

• Chapter 140 in-person auction: The annual sale is held in Room 116 of the Administration Building at 10 a.m. CDT on the fourth Monday of August. Opening comments precede the live auction. Pre-registration and notarized application required. Source: sccmo.org/283/Tax-Sale-Information (retrieved 2026-06-02).

• Collector’s Deed process: After the redemption period expires, certificate holders request a Collector’s Deed by submitting: (1) Certificate of Purchase, (2) executed Certificate of Value (PDF), (3) executed Affidavit of Notification, and (4) approximately $30 recording fee in cash. These requirements implement the RSMo 140.405 90-day notice and affidavit procedure. Source: sccmo.org/283/Tax-Sale-Information (retrieved 2026-06-02).

• Subsequent (post-third) offerings: Parcels offered for the fourth time and beyond follow RSMo 140.260.8 pricing, and per RSMo 140.250 the purchaser receives an immediate collector’s deed with no redemption period. The minimum bid pricing formula for these is governed by RSMo 140.260.8 (not confirmed from a directly-retrieved St. Charles County page — needs_verification of local application).

• Non-delinquency statement: Bidder must submit a statement confirming they have no delinquent taxes — consistent with RSMo 140.550’s prohibition on delinquent-tax-owing persons bidding. Source: sccmo.org/283/Tax-Sale- Information (retrieved 2026-06-02).

• No redemption after “subsequent” offering: Unlike the 1-year / 90-day windows, subsequent-offering properties have no post-sale redemption — immediate deed. Buyers should conduct a title search and obtain quiet title before insuring; Missouri title insurers generally require a quiet-title action or seasoning on collector’s deeds. See missouri module 7.

• Federal tax liens: The United States retains a 120-day post-sale redemption right under 26 U.S.C. § 7425 if the IRS was not given proper notice. See federal-tax-lien-redemption.

• Surplus recovery timing (business note): The 2025 sale (August 25, 2025) showed multiple properties with five-figure to six-figure surplus amounts. The 90-day claim window runs from redemption expiry (1 year post-sale for 1st/2nd offering = August 2026; 90 days post-sale for 3rd offering). Three-year school-fund escheat deadline from the sale date. Source: Tax Sale Listing (retrieved 2026-06-02); RSMo 140.230.

C6. Records Access

• Parcel search portal (Assessor): https://lookups.sccmo.org/assessor (search by owner, address, parcel number; includes valuation and assessment data; source: sccmo.org/assessor retrieved 2026-06-02)

• Recorder / deed search (Tapestry EON by Fidlar): https://tapestry.fidlar.com/TapestryEON/TapestryEON.WebSite/ (land ownership records, federal and state tax liens, mortgages; source: sccmo.org/recorder retrieved 2026-06-02)

• GIS map: https://maps.sccmo.org/public_web_map/ (ArcGIS-based public web map; redirects from sccmo.org/gis; also http://map.sccmo.org redirects here; source: sccmo.org/assessor + redirect confirmed 2026-06-02)

• Tax payment portal: https://mo-stcharles-collector.publicaccessnow.com/ (Aumentum Technologies platform; real estate and personal property tax search, payment, Tax Sale Listing; source: sccmo.org/collector retrieved 2026-06-02)

• Tax Sale Listing (delinquent / sold parcels): https://mo-stcharles-collector.publicaccessnow.com/Welcome/TaxSaleListing.aspx (all offered parcels with bid results, surplus amounts, redemption/deed status; source: retrieved 2026-06-02)

• Court records (Case.net — 11th Judicial Circuit): https://www.courts.mo.gov/casenet/ (search civil cases, quiet-title actions, surplus interpleader by name, case number, or filing date; source: sccmo.org/circuitclerk retrieved 2026-06-02)

C7. Meta

sources:

• {type: official, url: “https://www.sccmo.org/collector”, retrieved: 2026-06-02, note: “Collector of Revenue main page — Michelle D. McBride; 201 N. Second St Suite 134; 636-949-7470; collector@sccmo.org; annual tax sale in August; link to Tax Sale Info subpage /283; link to redemption form; online tax payment portal URL”}
• {type: official, url: “https://www.sccmo.org/283/Tax-Sale-Information”, retrieved: 2026-06-02, note: “Tax Sale Information — fourth Monday August; 10am CDT; Room 116; minimum bid = outstanding PIN amount + $24 recording fee; notarized application required; non-delinquency statement; forms list; Collector's Deed process (Certificate of Purchase + Certificate of Value + Affidavit of Notification +$30); Tax Sale Listing URL”}
• {type: official, url: “https://mo-stcharles-collector.publicaccessnow.com/”, retrieved: 2026-06-02, note: “Aumentum Technologies platform; copyright 2019; navigation: Welcome, Tax Sale Listing, Contact Us, FAQs, Project CARE; real estate and personal property search; 2024 Tax Certificate Sale mentioned (covering 2022 and prior real estate taxes)”}
• {type: official, url: “https://mo-stcharles-collector.publicaccessnow.com/Welcome/TaxSaleListing.aspx”, retrieved: 2026-06-02, note: “Tax Sale Listing — August 25 2025, August 26 2024, August 28 2023 results; organized by First/Second/Third/Subsequent offerings; owner name, PIN, min bid, winning bid, surplus amount, status; RSMo 140.230 3-year school-fund escheat quoted verbatim; multiple 2025 surplus examples ($101,854;$167,858; $81,007;$119,558)”}
• {type: official, url: “https://www.sccmo.org/recorder”, retrieved: 2026-06-02, note: “Recorder Mary Dempsey; 201 N. Second St Suite 338; 636-949-7505; recorder@sccmo.org; Tapestry EON deed search URL; land records, tax liens, marriages, military discharges; M-F 8am-5pm”}
• {type: official, url: “https://www.sccmo.org/circuitclerk”, retrieved: 2026-06-02, note: “Circuit Clerk Cheryl Crowder; 300 N. Second St Suite 217; 636-949-3080; civil cases, judgments, liens; Case.net for online case lookup; 11th Judicial Circuit”}
• {type: official, url: “https://www.sccmo.org/sheriff”, retrieved: 2026-06-02, note: “Sheriff Scott A. Lewis; 201 N. Second St Suite 440; 636-949-3010; sheriff@sccmo.org; handles civil process and court security; no tax sale role identified”}
• {type: official, url: “https://www.sccmo.org/assessor”, retrieved: 2026-06-02, note: “Assessor Travis Welge; 201 N. Second St; 636-949-7425; parcel search at lookups.sccmo.org/assessor; GIS at map.sccmo.org”}
• {type: official, url: “https://www.sccmo.org/FormCenter/Collector-of-Revenue-8/Redemption-Request-51”, retrieved: 2026-06-02, note: “Redemption Request form — requires PIN, owner name, party redeeming, property address, contact info, anticipated redemption month/year; eligibility note: Section 140.340 RSMo; Google reCAPTCHA protected”}
• {type: statute, url: “https://revisor.mo.gov/main/OneSection.aspx?section=140.230”, retrieved: 2026-06-02, note: “RSMo 140.230 — surplus to county treasury; waterfall: lienholders of record by priority then former owner; 90-day claim to county commission; no distribution until 90 days after redemption expiry; 3-year escheat to county permanent school fund; county commission may interplead in circuit court; agents must prove claims”}

needs_verification:

1. 2026 sale date: August 24, 2026 is calculated from the “fourth Monday of August” statutory rule — no official St. Charles County 2026 sale announcement page was retrieved. (1 pt, Row 2)
2. Bidder deposit amount and payment method: The official tax sale page states pre-registration and notarized application are required but does not specify a deposit amount or acceptable payment methods for winning bids. Typical Missouri practice is cashier’s check same day, but this is not confirmed for St. Charles County specifically. (1 pt, Row 2)
3. Pre-registration cutoff date: The official page says register “before the sale date” but no specific deadline (e.g., 10 days prior) is stated. (1 pt, Row 2)
4. County Commission surplus-claims contact: RSMo 140.230 designates the county commission as the filing venue for surplus claims, but no dedicated county commission phone line or URL specifically for surplus was located on sccmo.org. (1 pt, Row 2)
5. Dedicated surplus claim form: No St. Charles County-specific surplus claim form was located on the official website. The RSMo 140.230 written claim requirement may be satisfied by a letter; a form, if any, should be confirmed by contacting the Collector (636-949-7470) or County Commission. (1 pt, Row 2)
6. Subsequent-offering minimum bid (RSMo 140.260.8): The Tax Sale page notes subsequent offerings follow RSMo 140.260.8 pricing but the county website does not elaborate on the formula, and the statute was not independently fetched. (1 pt, Row 2)
7. Current County Commission officer names for the specific person handling surplus interpleader; the main county line (636-949-7900) is confirmed but a named official is not. (1 pt, Row 2)
8. Tyler v. Hennepin compliance of RSMo 140.230 three-year school-fund escheat: Whether the St. Charles County school-fund escheat of unclaimed surplus survives a Tyler takings challenge. No Missouri court decision specifically addressing the Chapter 140 escheat tail has been located. (1 pt, Row 2 — inherits from missouri module 11 open question)

gap_score computation:

• Row 2 (honest needs_verification): 8 items × 1 pt = 8 pts
• All other rows: 0
• Total: 8 (all from Row 2 — page qualifies to KEEP)

cross_links: missouri, tyler-v-hennepin-county, jones-v-flowers, mennonite-v-adams, mullane-v-central-hanover, schlereth-v-hardy-2009, right-of-redemption, surplus-funds, third-party-recovery-rules, due-process-notice, treasurer-sale, sheriff-sale, trustee-sale, bankruptcy-automatic-stay, federal-tax-lien-redemption, void-vs-voidable

changelog:

• 2026-06-02 — Initial autoresearch population. Core data verified from official sccmo.org pages (Collector /collector, Tax Sale Information /283, Redemption Request form, Recorder of Deeds /recorder, Circuit Clerk /circuitclerk, Sheriff /sheriff, Assessor /assessor) and mo-stcharles-collector.publicaccessnow.com (main portal and Tax Sale Listing). RSMo 140.230 retrieved from revisor.mo.gov confirming surplus waterfall and 3-year school-fund escheat. 2025 sale results (August 25, 2025) with multiple surplus entries confirmed from Tax Sale Listing. Chapter 140 regime (not Chapter 141) confirmed. Aumentum Technologies identified as portal vendor.

▸ For Investors / Operators — St. Charles County runs an in-person Chapter 140 certificate-of-purchase sale on the fourth Monday of August (2026: August 24) at the Administration Building, Room 116, with a notarized application and non-delinquency statement required in advance. First- and second-offering certificates carry a one-year redemption period; third-offering properties have a 90-day window; post-third-offering parcels convey an immediate collector’s deed with no redemption. After redemption expiry the deed path requires submitting the Certificate of Purchase, Certificate of Value, Affidavit of Notification, and ~$30 recording fee to the Collector of Revenue. Surplus from the 2025 sale (August 25, 2025) included multiple properties at five- and six-figure amounts; see the Tax Sale Listing at mo-stcharles-collector.publicaccessnow.com for current status.

▸ For Former Owners — Under RSMo 140.230, if a tax-certificate sale bid exceeds the minimum, the overage flows first to lienholders of record, then to the former owner. A written claim must be filed with the St. Charles County Commission within 90 days after the redemption period expires; no surplus is distributed until 90 days after redemption expiry. Funds unclaimed for three years escheat to the county permanent school fund (RSMo 140.230). Contact the Collector of Revenue (636-949-7470; collector@sccmo.org) for the civil action number and to identify the County Commission contact for filing your claim.

Legal disclaimer: This page contains legal information, not legal advice. Tax and foreclosure law changes frequently. Verify all facts against primary sources (Missouri Revised Statutes, official county office websites, or qualified legal counsel) before relying on this information. Last verified: 2026-06-02.