St. Charles County property record for 1518 N 4th St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,131 sqft · built 1888 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,000 (Sep 2022) |
| Tax Bill | $1,325 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Nov 2022 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009330A000 |
| Primary APN | 009330A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,131 sqft Living Area |
| 1st Floor Area | 1,131 sqft |
| Year Built | Built 1888 |
|---|---|
| Effective Year Built | Effective 1888 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 284 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 009330A000 |
|---|---|
| Street Address | 1518 N 4TH ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | PT CITY BLK 104 |
| Legal Subdivision | EASTERN SIDE/4TH STREET |
| Legal Block | 104 |
| Legal Lot Number | 3 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 310400 |
1518 N 4th St is owned and occupied by an individual who bought it in September 2022.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1518 N 4TH ST, SAINT CHARLES, MO 63301-2127 |
| 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.
| Date | Document |
|---|---|
| Jun 16, 2022 | Deed of Trust, Mortgage · Commercial Mortgage ABBA HOLDINGS LLC |
| Nov 2, 2022 | Deed of Trust, Mortgage · Construction Mortgage FCB BANKS |
| Sep 6, 2022 | Warranty Deed, Transfer NOT AVAILABLE, UST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2022 · Amount on File |
| Deed Sale | Sep 6, 2022 · Amount on File |
| Prior Sale | Jun 16, 2022 · Amount on File |
| Deed Document Number | 202249118 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1518 N 4TH ST, SAINT CHARLES, MO 63301-2127 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 830 WATERBURY FALLS DR 201, 201, O FALLON, MO 63368-2217 |
| Investor | Possibly a Property Investor |
| Document Number | 0000033728 |
|---|---|
| Date | Jun 16, 2022 |
| Instrument | 2022R-033728 |
| Name | ABBA HOLDINGS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | CHESTERFIELD, MO 63005 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1518 N 4TH ST, SAINT CHARLES, MO 63301-2127 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1518 N 4TH ST, SAINT CHARLES, MO 63301-2127 |
| Document Number | 0000059665 |
|---|---|
| Date | Nov 2, 2022 |
| Instrument | 2022R-059665 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63128 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 6, 2022 |
| Property Address | 1518 N 4TH ST, SAINT CHARLES, MO 63301-2127 |
| Document Number | 0000049118 |
| Instrument Date | Sep 1, 2022 |
| Instrument | 2022R-049118 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | NOT AVAILABLE, UST |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1518 N 4TH ST, SAINT CHARLES, MO 63301-2127 |
| Name | Verified Name |
|---|---|
| Address | 1518 N 4TH ST, SAINT CHARLES, MO 63301-2127 |
The 2025 property tax bill for 1518 N 4th St was $1,325.
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 | $20,842 (-) | $109,693 (-) Land $40,000 Building $69,693 | |
| 2025 | $1,325.00 | $20,842 | $109,693 Land $40,000 Building $69,693 |
| 2023 | $27,914 | ||
| 2022 | $146,917 Land $30,000 Building $116,917 |
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.
FEMA maps place 1518 N 4th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 55 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 89 (1979–2022) |
| Claims Outside the SFHA | 19 of 89 |
| 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 1518 N 4th St is low, with 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 94% of the US · lower than 91% of Missouri |
|---|---|
| Wildfire Likelihood | 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 670 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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