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

St. Charles County property record for 231 N 4th St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,257 sqft · built 1940
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Aug 2022)
Tax Bill	$2,624 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`011390A000`

Property Details

APN / Parcel Number

Primary APN	`011390A000`
Alternative APN	`6-009D-B126-00-0007.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,257 sqft Living Area
Gross Area	2,155 sqft
1st Floor Area	1,257 sqft
Basement Area	898 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	6,250 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	76 sqft
Deck Area	Deck Area
Patio Area	168 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	011390A000
Street Address	231 N 4TH ST
City	SAINT CHARLES
State	MO
Zip	63301-2817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA4
Legal Description	PT CITY BLK 126
Legal Subdivision	CITY/ST CHARLES
Legal Block	126
Legal Lot Number	7
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 September 10, 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	922 CRESTLAND DR, BALLWIN, MO 63011-3110
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Aug 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 22, 2022	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2022 · Amount on Record
Deed Sale	Aug 22, 2022 · Amount on Record
Prior Sale	Aug 22, 2022 · Amount on Record
Deed Document Number	202246281
Prior Transfer Date	Aug 19, 2022
Prior Transfer Doc	0000046281
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	231 N 4TH ST, SAINT CHARLES, MO 63301-2817
Transaction Type	Mortgage
Record Updated	Oct 20, 2023
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	553 LA GORCE DR, VENICE, FL 34293-1711
Investor	Possibly a Property Investor

Mortgage

Document Number	2021R055470
Date	Jul 1, 2021
Instrument	2021R-055470

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	231 N 4TH ST, SAINT CHARLES, MO 63301-2817
Transaction Type	Mortgage
Record Updated	Sep 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 NORTH 44TH STREET, SAINT CHARLES, MO 63301

Mortgage

Document Number	0000046280
Date	Aug 22, 2022
Instrument	2022R-046280

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

August 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 22, 2022
Property Address	231 N 4TH ST, SAINT CHARLES, MO 63301-2817
Document Number	0000046281
Instrument Date	Aug 19, 2022
Instrument	2022R-046281
Transaction Type	Transfer
Record Updated	Sep 5, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	922 CRESTLAND DR, 922, BALLWIN, MO 63011-3110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4253 RINGFORD DR, SAINT LOUIS, MO 63129-2635

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		$41,767 (-)	$219,830 (-) Land $50,000 Building $169,830
2025	$2,624.00	$41,767 (+6.69%)	$219,830 (+6.69%) Land $50,000 Building $169,830
2023		$39,147
2022			$206,041 Land $37,500 Building $168,541

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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