St. Charles County property record for 1815 N 4th St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 660 sqft · built 1948 |
| Lot Size | 0.103 acres (4,480 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $105,000 (Jun 2011) |
| Tax Bill | $1,549 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 015780A000 |
| Primary APN | 015780A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 660 sqft Living Area |
| Gross Area | 1,320 sqft |
| 1st Floor Area | 660 sqft |
| Basement Area | 660 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Ranch |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,480 sqft (0.103 acres) |
| Lot Dimensions | 112 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 273 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 015780A000 |
|---|---|
| Street Address | 1815 N 4TH ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | TOWER GROVE LOT 3 |
| Legal Subdivision | TOWER GROVE |
| Legal Lot Number | 3 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 310400 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1815 N 4TH ST, SAINT CHARLES, MO 63301-2132 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2011 · Amount on Record |
| Deed Sale | Jun 24, 2011 · Amount on Record |
| Prior Sale | Jun 10, 2005 · Amount on Record |
| Deed Document Number | 2011373640 |
| Deed Book / Page | 5602 / 289 |
| Prior Transfer Date | Sep 15, 2006 |
| Prior Transfer Doc | 0045801872 |
| Record Updated | Oct 29, 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 | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $24,443 (-) | $128,647 (-) Land $40,000 Building $88,647 | |
| 2025 | $1,549.00 (+4.73%) | $24,443 (+7.39%) | $128,647 (+7.4%) Land $40,000 Building $88,647 |
| 2024 | $1,479.00 | ||
| 2023 | $22,760 | ||
| 2022 | $119,786 Land $30,000 Building $89,786 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 84% 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 354 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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