1205 Cunningham Ave, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1205 Cunningham Ave, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,630 sqft · built 1957
Lot Size	0.393 acres (17,114 sqft)
Owner	Individual Name on Record
Last Sale	$161,500 (Mar 2022)
Tax Bill	$2,776 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2022 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`073400A000`

Property Details

APN / Parcel Number

Primary APN	`073400A000`
Alternative APN	`6-014B-4125-00-0100.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,630 sqft Living Area
Gross Area	2,652 sqft
1st Floor Area	1,304 sqft
Basement Area	1,084 sqft
Finished Basement	326 sqft
Unfinished Basement	758 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,114 sqft (0.393 acres)
Lot Dimensions	199 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	278 sqft
Patio Area	364 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	073400A000
Street Address	1205 CUNNINGHAM AVE
City	SAINT CHARLES
State	MO
Zip	63301-2211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	OSAGE HILLS #2 LOT 100 & S 7LOT 99
Legal Subdivision	OSAGE HILLS #2
Legal Lot Number	100
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	3
Census Block	3000
Census Tract	310501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Mar 23, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage ARLIN LEE SCHAEFER ETUX
Mar 23, 2022	Quit Claim Deed, Transfer TITLE PARTNERS AGENCY LLC
Mar 23, 2022	Quit Claim Deed, Transfer TITLE PARTNERS AGENCY LLC
Mar 23, 2022	Quit Claim Deed, Transfer TITLE PARTNERS AGENCY LLC
Mar 23, 2022	Quit Claim Deed, Transfer TITLE PARTNERS AGENCY LLC
Mar 23, 2022	Quit Claim Deed, Transfer TITLE PARTNERS AGENCY LLC
Mar 23, 2022	Quit Claim Deed, Transfer TITLE PARTNERS AGENCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2022 · Amount on Record
Deed Sale	Mar 23, 2022 · Amount on Record
Prior Sale	Mar 23, 2022
Deed Document Number	202217006
Prior Transfer Date	Dec 17, 2009
Prior Transfer Doc	0000017003
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211

Mortgage

Document Number	0000022238
Date	Apr 19, 2022
Instrument	2022R-022238

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 23, 2022
Property Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Document Number	0000017006
Map Reference	MB 5 PG 78
Instrument Date	Mar 17, 2022
Instrument	2022R-017006
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211

Mortgage

Document Number	0000017007
Date	Mar 23, 2022
Instrument	2022R-017007

Lender

Name	ARLIN LEE SCHAEFER ETUX
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 23, 2022
Property Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Document Number	0000016999
Map Reference	MB 5 PG 78
Instrument Date	Mar 17, 2022
Instrument	2022R-016999
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	481173 EAST 1082 RD, SEUOYEH, OK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 23, 2022
Property Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Document Number	0000017000
Map Reference	MB 5 PG 78
Instrument Date	Nov 30, 2021
Instrument	2022R-017000
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1700 2ND ST, MADISON, IL 62060-1552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 23, 2022
Property Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Document Number	0000017002
Map Reference	MB 5 PG 78
Instrument Date	Dec 19, 2009
Instrument	2022R-017002
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4705 KELLYKRIS CT, SAINT CHARLES, MO 63304-3408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 23, 2022
Property Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Document Number	0000017003
Map Reference	MB 5 PG 78
Instrument Date	Dec 17, 2009
Instrument	2022R-017003
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8650 FERNWOOD DR, COLUMBIA, IL 62236-3454

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 CUNNINGHAM ST, COLUMBIA, IL 62236

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 23, 2022
Property Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Document Number	0000017001
Map Reference	MB 5 PG 78
Instrument Date	Dec 11, 2009
Instrument	2022R-017001
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	113 CANARY LN, SAINT CHARLES, MO 63301-1297

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 23, 2022
Property Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Document Number	0000017004
Map Reference	MB 5 PG 78
Instrument Date	Nov 30, 2009
Instrument	2022R-017004
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	803 BITTERFIELD ST, ST LOUIS, MS 39520

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211

Tax Assessment & Valuation

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

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
2026		$44,211 (-)	$232,690 (-) Land $45,000 Building $187,690
2025	$2,776.00 (+7.22%)	$44,211 (+9.9%)	$232,690 (+9.9%) Land $45,000 Building $187,690
2024	$2,589.00
2023		$40,229
2022			$211,731 Land $35,000 Building $176,731

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

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% 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 450 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon, Wisper ISP.

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