20 Gary Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 20 Gary Ct, Saint Charles, MO 63301

Property Summary

Property Type	Apartment House (2-4 Units)
Details	12,474 sqft · built 1965
Lot Size	0.73 acres (31,799 sqft)
Owner	Individual Name on Record
Last Sale	$423,000 (Aug 2017)
Tax Bill	$9,047 (2025)
Deeds & Mortgages	Aug 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`044600A000`

Property Details

APN / Parcel Number

Primary APN	`044600A000`
Alternative APN	`6-009C-4059-00-0014.0000000`

Interior

Stories	2 Stories
Building Area	12,474 sqft Total Area
1st Floor Area	12,474 sqft
Basement Area	240 sqft

Exterior

Year Built	Built 1965
Exterior Material	Brick/Wood
Lot Area	31,799 sqft (0.73 acres)
Garage Type	Attached
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	044600A000
Old Parcel Number	044600A000
Street Address	20 GARY CT
City	SAINT CHARLES
State	MO
Zip	63301-2382
Property Category	Commercial
Property Type	Residential > Multi-Unit > Apartment House (2-4 Units)
Local Zoning Code	AC5
Legal Description	CUNNINGHAM GARDENS LOT 14 & LOT 15
Legal Range	05E
Legal Township	47N
Legal Subdivision	CUNNINGHAM GARDENS
Legal Lot Number	14
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	4
Census Block	4002
Census Tract	310501

Owner

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2570 TRENTON STA, SAINT CHARLES, MO 63303-2948
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2017 · Amount on Record
Deed Sale	Aug 16, 2017 · Amount on Record
Deed Document Number	0067921699
Deed Book / Page	6792 / 1699
Record Updated	Jun 8, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 16, 2017
Property Address	20 GARY CT, SAINT CHARLES, MO 63301-2382
Document Number	0067921699
Book / Page	006792 / 001699
Instrument Date	Aug 15, 2017
Instrument	516460
Transaction Type	Transfer
Record Updated	Sep 29, 2017
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1704 MUEGGE RD ST CHARLES MO 633031324, ST CHARLES, MO 63303-1324

Mortgage

Document Number	67921701
Date	Aug 16, 2017
Book Page	006792/001701
Instrument	516470

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$9,047.00	$145,730 (+3.86%)	$766,998 (+3.86%) Land $200,000 Building $566,998
2023		$140,315
2022			$738,498 Land $200,000 Building $538,498

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force

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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