1003 S 4th St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1003 S 4th St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,092 sqft · built 1920
Lot Size	0.18 acres (7,850 sqft)
Owner	Individual Name on File
Last Sale	$121,000 (Aug 2018)
Tax Bill	$4,083 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`012590A000`

Property Details

APN / Parcel Number

Primary APN	`012590A000`
Alternative APN	`6-014A-B137-00-0001.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,092 sqft Living Area
Gross Area	3,138 sqft
1st Floor Area	1,046 sqft
Basement Area	1,046 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,850 sqft (0.18 acres)
Lot Dimensions	157 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	012590A000
Street Address	1003 S 4TH ST
City	SAINT CHARLES
State	MO
Zip	63301-2482
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF2
Legal Description	PT CITY BLK 137 LOT 18
Legal Subdivision	BUEHLER PARTITION
Legal Block	137
Legal Lot Number	18
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2048
Census Tract	310502

Owner

1003 S 4th St is owned and occupied by an individual who bought it in August 2018.

Source: St. Charles County records, as of December 9, 2025

Owner of Record	Individual Name on File
Mailing Address	1003 S 4TH ST, SAINT CHARLES, MO 63301-2482
Occupancy	Owner Occupied
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	Name on Deed
Last Sale	Aug 30, 2018 · Amount on File
Deed Sale	Aug 30, 2018 · Amount on File
Deed Document Number	2018496860
Deed Book / Page	6970 / 232
Prior Transfer Date	Aug 29, 2018
Prior Transfer Doc	0069700232
Record Updated	Jun 8, 2026

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 30, 2018
Property Address	1003 S 4TH ST, SAINT CHARLES, MO 63301-2482
Document Number	0069700232
Book / Page	006970 / 000232
Instrument Date	Aug 29, 2018
Instrument	496860
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 S 4TH ST ST CHARLES MO 633012405, ST CHARLES, MO 63301-2405

Mortgage

Document Number	69700234
Date	Aug 30, 2018
Book Page	006970/000234
Instrument	496870

Lender

Name	ESTHER L SMITH
Address	1452 SHADOW WOOD DR, ST CHARLES, MO 63303-3323
Special Notes	Seller Financed

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Aug 29, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1003 S 4th St was $4,083, up 18% from the year before.

Source: St. Charles County assessment roll, as of August 13, 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	$4,083.00 (+18.01%)	$65,263	$343,492 Land $40,000 Building $303,492
2024	$3,460.00
2023		$53,935
2022			$283,871 Land $45,000 Building $238,871

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.

Flood

FEMA maps place 1003 S 4th 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 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	Severe Storms And Flooding, Jul 2022 · 6 claims Severe Storms & Flooding, Aug 1993 · 6 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

Wildfire risk around 1003 S 4th St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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.

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 241 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