1224 Cunningham Ave, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1224 Cunningham Ave, Saint Charles, MO 63301

Property Summary

Property Type	Duplex
Details	5 bd · 2.5 ba · 1,866 sqft · built 1950
Lot Size	0.181 acres (7,888 sqft)
Owner	Company Name on Record
Last Sale	$133,200 (Aug 2019)
Tax Bill	$2,710 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Oct 2020 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`073340A000`

Property Details

APN / Parcel Number

Primary APN	`073340A000`
Alternative APN	`6-014B-4125-00-0094.0000000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,866 sqft Living Area
Gross Area	4,308 sqft
1st Floor Area	1,866 sqft
Basement Area	1,866 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Duplex Single
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,888 sqft (0.181 acres)
Lot Dimensions	68 ft deep x 116 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	073340A000
Street Address	1224 CUNNINGHAM AVE
City	SAINT CHARLES
State	MO
Zip	63301-2212
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AF0
Legal Description	OSAGE HILLS #2 LOT 94
Legal Subdivision	OSAGE HILLS #2
Legal Lot Number	94
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	4
Census Block	4008
Census Tract	310501

Owner

Source: St. Charles County records, as of April 14, 2026

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

Owner of Record	Company Name on Record
Mailing Address	4 EDGEMONT CIR, SAINT CHARLES, MO 63301-5504
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF ST CHARLES MO
Oct 29, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF ST ELIZABETH
Aug 5, 2019	Warranty Deed, Transfer · Line of Credit BANK OF ST ELIZABETH
Dec 27, 2017	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION
Dec 27, 2017	Affidavit of Death, Transfer NETCO TITLE
Dec 27, 2017	Affidavit of Death, Transfer NETCO TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2019 · Amount on Record
Deed Sale	Aug 5, 2019 · Amount on Record
Prior Sale	Dec 27, 2017 · Amount on Record
Deed Document Number	2019407300
Deed Book / Page	7118 / 377
Prior Transfer Date	Nov 17, 2016
Prior Transfer Doc	0068580975
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1224 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2212
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 EDGEMONT CIR, SAINT CHARLES, MO 63301-5504

Mortgage

Document Number	2021R014073
Date	Feb 17, 2021
Instrument	2021R-014073

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Jan 25, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1224 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2212
Document Number	0000083558
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1622 NORTHPORT DR JEFFERSON CITY MO 651096440, JEFFERSON CITY, MO 65109-6440

Mortgage

Document Number	0000083558
Date	Oct 30, 2020
Instrument	83558

Lender

Name	BANK OF ST ELIZABETH
Type	Bank
Address	SAINT ELIZABETH, MO 65075-0008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 5, 2019
Property Address	1224 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2212
Document Number	0071180377
Book / Page	7118 / 0377
Map Reference	MB 5 PG 78
Instrument Date	Jul 26, 2019
Instrument	20190805000407300
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1391 FOREST CREEK DR, 1391, SAINT PETERS, MO 63303-5812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 EDGEMONT CIR, SAINT CHARLES, MO 63301-5504

Mortgage

Document Number	20190805000407310
Date	Aug 5, 2019
Instrument	20190805000407310

Lender

Name	BANK OF ST ELIZABETH
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 27, 2017
Property Address	1224 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2212
Document Number	0068580979
Book / Page	006858 / 000979
Instrument Date	Dec 22, 2017
Instrument	795020
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	NETCO TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1224 CUNNINGHAM AVE ST CHARLES MO 633012212, ST CHARLES, MO 63301-2212

Mortgage

Document Number	68580981
Date	Dec 27, 2017
Book Page	006858/000981
Instrument	795030

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2047

December 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CHARLES MO
Recording Date	Dec 27, 2017
Property Address	1224 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2212
Document Number	0068580975
Book / Page	006858 / 000975
Instrument Date	Dec 22, 2017
Instrument	795000
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	NETCO TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1808 SPRINGHILL DR O FALLON MO 633663931, O FALLON, MO 63366-3931

December 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CHARLES MO
Recording Date	Dec 27, 2017
Property Address	1224 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2212
Document Number	0068580977
Book / Page	006858 / 000977
Instrument Date	Dec 22, 2017
Instrument	795010
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	NETCO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1808 SPRINGHILL DR O FALLON MO 633663931, O FALLON, MO 63366-3931

Tax Assessment & Valuation

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	$2,710.00 (+8.7%)	$43,144 (+11.41%)	$227,074 (+11.4%) Land $45,000 Building $182,074
2024	$2,493.00
2023		$38,727
2022			$203,828 Land $45,000 Building $158,828

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

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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