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

St. Charles County property record for 203 N 4th St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,128 sqft · built 1903
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$207,000 (Aug 2018)
Tax Bill	$3,179 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`011350A000`

Property Details

APN / Parcel Number

Primary APN	`011350A000`
Alternative APN	`6-009D-B126-00-0001.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,128 sqft Living Area
Gross Area	2,522 sqft
1st Floor Area	1,097 sqft
Basement Area	394 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,250 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	127 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	011350A000
Street Address	203 N 4TH ST
City	SAINT CHARLES
State	MO
Zip	63301-2817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC5
Legal Description	PT CITY BLK 126
Legal Subdivision	CITY/ST CHARLES
Legal Block	126
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1060
Census Tract	310502

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Midtown Neighborhood Historic District listed 2014 · 537 contributing resources · NRIS 14000885

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	203 N 4TH ST, SAINT CHARLES, MO 63301-2817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 22, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2018 · Amount on Record
Deed Sale	Aug 22, 2018 · Amount on Record
Prior Sale	Dec 9, 2004 · Amount on Record
Deed Document Number	2018480480
Deed Book / Page	6966 / 1245
Prior Transfer Date	Jun 11, 2009
Prior Transfer Doc	0052442085
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	203 N 4TH ST, SAINT CHARLES, MO 63301-2817
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073580524
Date	Jul 30, 2020
Book Page	7358/524
Instrument	20200730000538710

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 22, 2018
Property Address	203 N 4TH ST, SAINT CHARLES, MO 63301-2817
Document Number	0069661245
Book / Page	6966 / 1245
Instrument Date	Aug 14, 2018
Instrument	20180822000480480
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SYNERGY TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 GREINER CT, 225, ELLISVILLE, MO 63021-4770

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 N 4TH ST, SAINT CHARLES, MO 63301-2817

Mortgage

Document Number	20180822000480490
Date	Aug 22, 2018
Instrument	20180822000480490

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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		$50,692 (-)	$266,797 (-) Land $50,000 Building $216,797
2025	$3,179.00 (+2.05%)	$50,692 (+4.52%)	$266,797 (+4.52%) Land $50,000 Building $216,797
2024	$3,115.00
2023		$48,501
2022			$255,268 Land $37,500 Building $217,768

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	2 in force
Nearby Flood Claims	17 (1980–2022)
Claims Outside the SFHA	3 of 17
Most Recent Claim	Aug 2022 · tidal / storm surge
Claims by Event	Severe Storms & Flooding, Aug 1993 · 10 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 630 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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