1245 Cunningham Ave, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1245 Cunningham Ave, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,430 sqft · built 1952
Lot Size	0.155 acres (6,765 sqft)
Owner	2 Individual Names on Record
Last Sale	$78,900 (Feb 1997)
Tax Bill	$3,230 (2025)
Deeds & Mortgages	Sep 2022 Transfer Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`072560A000`

Property Details

APN / Parcel Number

Primary APN	`072560A000`
Alternative APN	`6-014B-4374-00-0017.0000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,430 sqft Living Area
Gross Area	2,928 sqft
1st Floor Area	1,620 sqft
Basement Area	1,080 sqft
Finished Basement	810 sqft
Unfinished Basement	270 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,765 sqft (0.155 acres)
Lot Dimensions	123 ft deep x 55 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	228 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	144 sqft
Patio Area	455 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	072560A000
Street Address	1245 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 #1 LOT 17
Legal Subdivision	OSAGE HILLS #1
Legal Lot Number	17
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	1245 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Intrafamily Transfer, Transfer
Jun 20, 2017	Deed of Trust, Mortgage · Line of Credit PROVIDENCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 1997 · Amount on Record
Deed Sale	Feb 5, 1997 · Amount on Record
Deed Document Number	19976656
Deed Book / Page	1911 / 757
Last Transfer Date	Sep 13, 2022
Transfer Doc	0000050527
Record Updated	Sep 20, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 13, 2022
Property Address	1245 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Document Number	0000050527
Instrument Date	Sep 13, 2022
Instrument	2022R-050527
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1245 CUNNINGHAM AVE, 1245, SAINT CHARLES, MO 63301-2211

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1245 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1245 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067611738
Date	Jun 20, 2017
Book Page	6761/1738
Instrument	20170620000374470

Lender

Name	PROVIDENCE BANK
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 25, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$51,529 (-)	$271,203 (-) Land $45,000 Building $226,203
2025	$3,230.00	$51,529 (+6.94%)	$271,203 (+6.94%) Land $45,000 Building $226,203
2023		$48,186
2022			$253,612 Land $35,000 Building $218,612

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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