2004 N 4th St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2004 N 4th St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,280 sqft · built 2006
Lot Size	0.129 acres (5,600 sqft)
Owner	Individual Name on File
Last Sale	$93,100 (Jun 2026)
Tax Bill	$2,643 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`081670A000`

Property Details

APN / Parcel Number

Primary APN	`081670A000`
Alternative APN	`6-006D-4409-05-0014.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,280 sqft Living Area
1st Floor Area	640 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,600 sqft (0.129 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	081670A000
Street Address	2004 N 4TH ST
City	SAINT CHARLES
State	MO
Zip	63301-0903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	ROOSEVELT PL BLK 5 LOT 14
Legal Subdivision	ROOSEVELT PL
Legal Block	5
Legal Lot Number	14
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2030
Census Tract	310400

Owner

2004 N 4th St is owned by an individual who bought it in June 2026.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	1061 MEADOWBROOK DR, TROY, MO 63379-1505
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2026 · Amount on File
Deed Sale	Jun 10, 2026 · Amount on File
Prior Sale	Feb 20, 2007 · Amount on File
Deed Document Number	202627245
Prior Transfer Date	Jun 28, 2006
Prior Transfer Doc	0045182341
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 10, 2026
Property Address	2004 N 4TH ST, SAINT CHARLES, MO 63301-0903
Document Number	0000027245
Instrument Date	Jun 5, 2026
Instrument	202627245
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1061 MEADOWBROOK DR, TROY, MO 63379-1505
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027246,
Date	Jun 10, 2026
Instrument	202627246

Lender

Name	EQUITYMAX INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	205 Months
Due	Jul 1, 2043

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 2004 N 4th St was $2,643, down 0.6% from the year before.

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		$35,226 (-)	$185,398 (-) Land $40,000 Building $145,398
2025	$2,643.00 (-0.56%)	$35,226	$185,398 Land $40,000 Building $145,398
2024	$2,658.00
2023		$34,525
2022			$181,708 Land $30,000 Building $151,708

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

FEMA maps place 2004 N 4th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Severe Storms And Flooding, Jul 2022 · 4 claims Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Jun 2013 · 2 claims Severe Storms & Flooding, Sep 1993 · 55 claims

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

Wildfire risk around 2004 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 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.

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 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