St. Charles County property record for 2205 N 4th St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 680 sqft · built 1945 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $99,000 (May 2019) |
| Tax Bill | $1,456 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 082600A000 |
| Primary APN | 082600A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 680 sqft Living Area |
| 1st Floor Area | 680 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,000 sqft (0.161 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Porch | Porch |
| Heating System | Gravity Furnace |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 082600A000 |
|---|---|
| Street Address | 2205 N 4TH ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE8 |
| Legal Description | ROOSEVELT PL ADDN BLK 11 LOT 6 |
| Legal Subdivision | ROOSEVELT PL ADDN |
| Legal Block | 11 |
| Legal Lot Number | 6 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 310400 |
2205 N 4th St is owned and occupied by an individual who bought it in May 2019.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2205 N 4TH ST, SAINT CHARLES, MO 63301-0906 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO |
| May 20, 2019 | Warranty Deed, Transfer FIRST ST BK/ST CHARLES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 20, 2019 · Amount on File |
| Deed Sale | May 20, 2019 · Amount on File |
| Prior Sale | Aug 23, 2010 · Amount on File |
| Deed Document Number | 2019239900 |
| Deed Book / Page | 7076 / 1199 |
| Prior Transfer Date | Aug 20, 2010 |
| Prior Transfer Doc | 0054411837 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2205 N 4TH ST, SAINT CHARLES, MO 63301-0906 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2205 N 4TH ST, SAINT CHARLES, MO 63301-0906 |
| Document Number | 2021R026772 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 2021R-026772 |
| Name | FIRST STATE BANK OF ST CHARLES MO |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 20, 2019 |
| Property Address | 2205 N 4TH ST, SAINT CHARLES, MO 63301-0906 |
| Document Number | 0070761199 |
| Book / Page | 007076 / 001199 |
| Instrument Date | May 15, 2019 |
| Instrument | 239900 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2019 |
| Title Company | SELECT TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2205 N 4TH ST ST CHARLES MO 633010906, ST CHARLES, MO 63301-0906 |
| Document Number | 70761201 |
|---|---|
| Date | May 20, 2019 |
| Book Page | 007076/001201 |
| Instrument | 239910 |
| Name | FIRST ST BK/ST CHARLES |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 19, 2049 |
The 2025 property tax bill for 2205 N 4th St was $1,456, up 5.6% from the year before.
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 | $22,948 (-) | $120,781 (-) Land $40,000 Building $80,781 | |
| 2025 | $1,456.00 (+5.58%) | $22,948 | $120,781 Land $40,000 Building $80,781 |
| 2024 | $1,379.00 | ||
| 2023 | $21,196 | ||
| 2022 | $111,555 Land $30,000 Building $81,555 |
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.
FEMA maps place 2205 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 |
|
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 risk around 2205 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.
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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