1638 Cullom Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 1638 Cullom Dr, Saint Charles, MO 63301

Property Summary

Property Type	Apartments (5+ Units)
Details	2,992 sqft · built 1948
Lot Size	0.142 acres (6,200 sqft)
Owner	Company Name on Record
Last Sale	$127,000 (Apr 2006)
Tax Bill	$2,599 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`101910A000`

Property Details

APN / Parcel Number

Primary APN	`101910A000`
Alternative APN	`6-009C-4161-02-0020.3000000`

Interior

Units	4 Units
Stories	2 Stories
Building Area	2,992 sqft Living Area
1st Floor Area	2,992 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,200 sqft (0.142 acres)
Lot Dimensions	100 ft deep x 62 ft wide
Terrain	Rolling
Porch	Open Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	101910A000
Street Address	1638 CULLOM DR
City	SAINT CHARLES
State	MO
Zip	63301-2201
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	AF0
Legal Description	WILMES TRENDLEY SUB PT LOT 9
Legal Subdivision	WILMES & TRENDLEY
Legal Lot Number	9
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	Company Name on Record
Mailing Address	249 GREENBURN DR, WELDON SPRING, MO 63304-0926
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Line of Credit HERITAGE COMMUNITY BANK
Jul 20, 2022	Deed of Trust, Mortgage · Line of Credit SIMMONS BANK
Nov 20, 2020	Deed of Trust, Mortgage · Line of Credit SIMMONS BK
Dec 14, 2020	Warranty Deed, Transfer FREEDOM TITLE
May 6, 2020	Deed of Trust, Mortgage · Line of Credit CARROLLTON BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2006 · Amount on Record
Deed Sale	Apr 6, 2006 · Amount on Record
Deed Document Number	2006285390
Deed Book / Page	4454 / 188
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 20, 2026
Property Address	1638 CULLOM DR, SAINT CHARLES, MO 63301-2201
Document Number	0000017899
Instrument Date	Apr 16, 2026
Instrument	202617899
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	275 GRAIL CASTLE CT, WELDON SPRING, MO 63304-5716

Mortgage

Document Number	0000017899,
Date	Apr 20, 2026
Instrument	202617899

Lender

Name	HERITAGE COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Apr 18, 2029

Interest

Rate	6.22%
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1638 CULLOM DR, SAINT CHARLES, MO 63301-2201
Transaction Type	Mortgage
Record Updated	Feb 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040438
Date	Jul 20, 2022
Instrument	2022R-040438

Lender

Name	SIMMONS BANK
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1638 CULLOM DR, SAINT CHARLES, MO 63301-2201
Document Number	0000097283
Instrument Date	Nov 20, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2021
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	275 GRAIL CASTLE CT WELDON SPRING MO 633045716, WELDON SPRING, MO 63304-5716

Mortgage

Document Number	0000097283
Date	Dec 11, 2020
Instrument	97283

Lender

Name	SIMMONS BK
Address	FRONTENAC, MO 63131-2909

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 14, 2020
Property Address	1638 CULLOM DR, SAINT CHARLES, MO 63301-2201
Document Number	0000097996
Instrument Date	Nov 20, 2020
Instrument	97996
Transaction Type	Transfer
Record Updated	Mar 10, 2021
Title Company	FREEDOM TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1638 CULLOM DR #A ST CHARLES MO 633012201, A, ST CHARLES, MO 63301-2201

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1638 CULLOM DR, SAINT CHARLES, MO 63301-2201
Document Number	0073000655
Instrument Date	May 6, 2020
Transaction Type	Mortgage
Record Updated	Jul 28, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	801 MIDPOINT DR O FALLON MO 633665946, O FALLON, MO 63366-5946

Mortgage

Document Number	0073000655
Date	May 20, 2020
Book Page	007300/000655
Instrument	330150

Lender

Name	CARROLLTON BK
Type	Bank
Address	2777 W CLAY ST, ST CHARLES, MO 63301-2528

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$41,351 (-)	$217,636 (-) Land $40,000 Building $177,636
2025	$2,599.00 (-2.29%)	$41,351 (-)	$217,636 (-) Land $40,000 Building $177,636
2024	$2,660.00
2023		$41,351
2022			$217,636 Land $40,000 Building $177,636

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Direct burnable vegetation

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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