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1015 N 4th St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1015 N 4th St, Saint Charles, MO 63301

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,172 sqft · built 1885
Lot Size0.178 acres (7,750 sqft)
Owner2 Individual Names on File
Last Sale$165,000 (Sep 2018)
Tax Bill$3,187 (2025)
Deeds & MortgagesSep 2021 Line of Credit
Sep 2018 Sale
Flood ZoneZone X (minimal risk)
APN010430A000

Property Details

APN / Parcel Number

Primary APN010430A000
Alternative APN
  • 6-009A-B118-00-0007.0000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area2,172 sqft Living Area
Gross Area3,629 sqft
1st Floor Area2,208 sqft
Basement Area1,080 sqft

Exterior

Year BuiltBuilt 1885
Effective Year BuiltEffective 1885
Architectural StyleMulti-Level
Exterior MaterialBrick/Stone
Roof TypeGable
Roof MaterialAsphalt
Lot Area7,750 sqft (0.178 acres)
Lot Dimensions155 ft deep x 50 ft wide
TerrainRolling
Garage TypeAttached
Garage Area377 sqft
Parking Spaces1 Parking Space
PorchOpen Porch
Porch Area468 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account Number010430A000
Street Address1015 N 4TH ST
CitySAINT CHARLES
StateMO
Zip63301-2056
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAF2
Legal DescriptionPT CITY BLK 118
Legal SubdivisionCITY/ST CHARLES
Legal Block118
Legal Lot Number7
JurisdictionST CHARLES MO
Township / Civil DivisionRIVERS
Census Block Group2
Census Block2083
Census Tract310400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Frenchtown Historic District
listed 1991 · 206 contributing resources · NRIS 91000216

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1015 N 4th St is owned by two individuals who bought it in September 2018.

Source: St. Charles County records, as of August 7, 2026

Owner of Record2 Individual Names on File
Mailing Address709 N 4TH ST, SAINT CHARLES, MO 63301-2050
Owner TypeIndividual

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

DateDocument
Sep 29, 2021Deed of Trust, Mortgage · Line of Credit
FIRST STATE COMMUNITY BANK
Sep 18, 2018Warranty Deed, Transfer
INVESTORS TITLE COMPANY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 18, 2018 · Amount on File
Deed SaleSep 18, 2018 · Amount on File
Prior SaleJul 29, 2003 · Amount on File
Deed Document Number2018535630
Deed Book / Page6978 / 1865
Prior Transfer DateJul 25, 2003
Prior Transfer Doc0001119010
Record UpdatedOct 29, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address1015 N 4TH ST, SAINT CHARLES, MO 63301-2056
Transaction TypeMortgage
Record UpdatedOct 12, 2021
Title CompanyOLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address709 N 4TH ST, SAINT CHARLES, MO 63301-2050

Mortgage

Document Number2021R081335
DateSep 29, 2021
Instrument2021R-081335
Lender
NameFIRST STATE COMMUNITY BANK
TypeBank
AddressCOLUMBIA, MO 65203
Agreement
TypeLine of Credit
AmountAmount on Record

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateSep 18, 2018
Property Address1015 N 4TH ST, SAINT CHARLES, MO 63301-2056
Document Number0069781865
Book / Page006978 / 001865
Instrument DateSep 14, 2018
Instrument535630
Transaction TypeTransfer
Record UpdatedOct 3, 2018
Title CompanyINVESTORS TITLE COMPANY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1015 N 4TH ST ST CHARLES MO 633012056, ST CHARLES, MO 63301-2056

Tax Assessment & Valuation

The 2025 property tax bill for 1015 N 4th St was $3,187.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictSt. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$50,829 (-)$267,525 (-) Land $50,000 Building $217,525
2025$3,187.00$50,829$267,525 Land $50,000 Building $217,525
2023$48,708
2022$256,360 Land $37,500 Building $218,860

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 1015 N 4th St in Zone X, an area of minimal flood risk, though there have been 89 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 55 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies55 in force
Nearby Flood Claims89 (1979–2022)
Claims Outside the SFHA19 of 89
Most Recent ClaimJul 2022 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, Jul 2022 · 4 claims
  • Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Jun 2013 · 2 claims
  • Severe Storms & Flooding, Sep 1993 · 55 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 1015 N 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 RiskLow
lower than 99.8% of the US · lower than 99.6% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemST CHARLES PWS
serves 78,961 people · EPA ID MO6010707
Water SourcePurchased surface water from several systems
Last State InspectionOct 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 670 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL 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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