1122 N 4th St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1122 N 4th St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,531 sqft · built 1900
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$178,100 (Sep 2017)
Tax Bill	$3,986 (2025)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`008920A000`

Property Details

APN / Parcel Number

Primary APN	`008920A000`
Alternative APN	`6-009A-B100-00-0004.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,531 sqft Living Area
Gross Area	2,599 sqft
1st Floor Area	1,531 sqft
Basement Area	1,068 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	150 ft deep x 40 ft wide

Exterior Amenities

Porch	Slab
Porch Area	45 sqft
Deck Area	Deck Area
Patio Area	324 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	008920A000
Street Address	1122 N 4TH ST
City	SAINT CHARLES
State	MO
Zip	63301-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF2
Legal Description	PT CITY BLK 100
Legal Subdivision	CITY/STCHARLES
Legal Block	100
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2081
Census Tract	310400

Historic Designation

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

Historic District	Within 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

1122 N 4th St is owned and occupied by two individuals who bought it in September 2017.

Source: St. Charles County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1122 N 4TH ST, SAINT CHARLES, MO 63301-2007
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	2 Names on Deed
Last Sale	Sep 11, 2017 · Amount on File
Deed Sale	Sep 11, 2017 · Amount on File
Deed Document Number	2017570240
Deed Book / Page	6805 / 630
Record Updated	Sep 20, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 11, 2017
Property Address	1122 N 4TH ST, SAINT CHARLES, MO 63301-2007
Document Number	0068050630
Book / Page	006805 / 000630
Instrument Date	Sep 8, 2017
Instrument	570240
Transaction Type	Transfer
Record Updated	Sep 18, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1122 N 4TH ST ST CHARLES MO 633012007, ST CHARLES, MO 63301-2007

Mortgage

Document Number	68050632
Date	Sep 11, 2017
Book Page	006805/000632
Instrument	570250

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1122 N 4th St was $3,986.

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	$3,986.00	$41,002	$215,803 Land $50,000 Building $165,803
2023		$38,773
2022			$204,073 Land $37,500 Building $166,573

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 1122 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 55 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	89 (1979–2022)
Claims Outside the SFHA	19 of 89
Most Recent Claim	Jul 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 1122 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 Risk	Low lower than 99.8% of the US · lower than 99.6% 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 670 locations within half a mile, as of December 31, 2025

Provider	Max 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