1221 Cunningham Ave, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1221 Cunningham Ave, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,874 sqft · built 1950
Lot Size	0.243 acres (10,570 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Dec 2018)
Tax Bill	$3,000 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`073440A000`

Property Details

APN / Parcel Number

Primary APN	`073440A000`
Alternative APN	`6-014B-4125-00-0104.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,874 sqft Living Area
Gross Area	2,848 sqft
1st Floor Area	1,424 sqft
Basement Area	1,424 sqft
Finished Basement	450 sqft
Unfinished Basement	974 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,570 sqft (0.243 acres)
Lot Dimensions	151 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	576 sqft
Porch	Open Porch
Porch Area	316 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	073440A000
Street Address	1221 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 104
Legal Subdivision	OSAGE HILLS #2
Legal Lot Number	104
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	2 Individual Names on Record
Mailing Address	1221 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2019	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Dec 31, 2018	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2018 · Amount on Record
Deed Sale	Dec 31, 2018 · Amount on Record
Prior Sale	May 2, 2012 · Amount on Record
Deed Document Number	2018725710
Deed Book / Page	7020 / 2342
Prior Transfer Date	Apr 25, 2012
Prior Transfer Doc	0057720263
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1221 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071671666
Date	Oct 23, 2019
Book Page	7167/1666
Instrument	20191023000596660

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 31, 2018
Property Address	1221 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Document Number	0070202342
Book / Page	7020 / 2342
Map Reference	MB 5 PG 78
Instrument Date	Dec 31, 2018
Instrument	20181231000725710
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1508 SUN LAKE DR, 1508, SAINT CHARLES, MO 63301-3007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1221 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211

Mortgage

Document Number	20181231000725720
Date	Dec 31, 2018
Instrument	20181231000725720

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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		$47,819 (-)	$251,678 (-) Land $45,000 Building $206,678
2025	$3,000.00 (+0.2%)	$47,819 (+2.63%)	$251,678 (+2.63%) Land $45,000 Building $206,678
2024	$2,994.00
2023		$46,595
2022			$245,235 Land $35,000 Building $210,235

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
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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