St. Charles County property record for 1225 Cunningham Ave, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,036 sqft · built 1957 |
| Lot Size | 0.18 acres (7,820 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $98,000 (Nov 2015) |
| Tax Bill | $2,226 (2025) |
| Deeds & Mortgages | Jul 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 073450A000 |
| Primary APN | 073450A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,036 sqft Living Area |
| Gross Area | 2,072 sqft |
| 1st Floor Area | 1,036 sqft |
| Basement Area | 716 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Shingles |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,820 sqft (0.18 acres) |
| Lot Dimensions | 115 ft deep x 68 ft wide |
| Garage Type | Attached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 119 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 073450A000 |
|---|---|
| Street Address | 1225 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 105 |
| Legal Subdivision | OSAGE HILLS #2 |
| Legal Lot Number | 105 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 310501 |
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 | 1225 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 23, 2015 · Amount on Record |
| Deed Sale | Nov 23, 2015 · Amount on Record |
| Prior Sale | Sep 1, 2009 · Amount on Record |
| Deed Document Number | 2015770690 |
| Deed Book / Page | 6454 / 1287 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1225 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000373380 |
|---|---|
| Date | Jul 22, 2019 |
| Book Page | 7109/0042 |
| Instrument | 20190722000373380 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $35,347 (-) | $186,035 (-) Land $45,000 Building $141,035 | |
| 2025 | $2,226.00 | $35,347 (+9.22%) | $186,035 (+9.22%) Land $45,000 Building $141,035 |
| 2023 | $32,364 | ||
| 2022 | $170,336 Land $35,000 Building $135,336 |
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.
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.
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.
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 |
| 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.
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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