St. Charles County property record for 124 Gardner Pl, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3.5 ba · 4,061 sqft · built 1990 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,537 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | A885000048 |
| Primary APN | A885000048 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 4,061 sqft Living Area |
| Gross Area | 5,541 sqft |
| 1st Floor Area | 2,389 sqft |
| Basement Area | 2,389 sqft |
| Finished Basement | 1,672 sqft |
| Unfinished Basement | 717 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 18,731 sqft (0.43 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 763 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | Deck Area |
| Patio Area | 426 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A885000048 |
|---|---|
| Street Address | 124 GARDNER PL |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4582 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GOVERNOR PL #2 LOT 28 |
| Legal Subdivision | GOVERNOR PL #2 |
| Legal Lot Number | 28 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 310602 |
124 Gardner Pl is owned and occupied by two individuals who acquired it in July 2012.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 124 GARDNER PL, SAINT CHARLES, MO 63301-4582 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 2, 2012 |
| Transfer Doc | 0058130227 |
| Record Updated | Sep 20, 2026 |
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 | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $109,010 (-) | $573,740 (-) Land $115,500 Building $458,240 | |
| 2025 | $109,010 | $573,740 Land $115,500 Building $458,240 | |
| 2024 | $6,537.00 | ||
| 2023 | $97,675 | ||
| 2022 | $514,082 Land $99,000 Building $415,082 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 124 Gardner Pl in Zone X, an area of minimal flood risk, though there have been 61 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 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 61 (1979–2022) |
| Claims Outside the SFHA | 16 of 61 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 124 Gardner Pl 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 98% of the US · lower than 96% 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 221 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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