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

St. Charles County property record for 312 N 4th St, Saint Charles, MO 63301 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Architecture Style	Bi-Level
Year Built	Built 1905
Square Footage	1,542 sqft Living Area
Lot Size	8,680 sqft (0.199 acres)
Occupancy	Owner Occupied
Tax Bill	$2,690.00 (2025)

Owner

Source: St. Charles County records · APN 008100A000

Assessment roll updated August 7, 2026 · Last verified August 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 File
Mailing Address	312 N 4TH ST, SAINT CHARLES, MO 63301-2022
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 03, 2015
Deed Sale	Sep 03, 2015
Prior Sale	Apr 12, 2001 · Amount on Record
Deed Doc Number	2015585440
Deed Book / Page	6415 / 483
Record Refreshed	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	312 N 4TH ST, SAINT CHARLES, MO 63301-2022
Transaction Type	Mortgage
Record Updated	Oct 04, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 N 4TH ST, SAINT CHARLES, MO 63301-2022

Mortgage

Document Number	2021R079073
Date	Sep 21, 2021
Instrument	2021R-079073

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$42,828 (-)	$225,412 (-) Land $50,000 Building $175,412
2025	$2,690.00	$42,828 (+5.34%)	$225,412 (+5.34%) Land $50,000 Building $175,412
2023		$40,656
2022			$213,980 Land $37,500 Building $176,480

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified: October 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.

Property Details

APN / Parcel Number

Primary APN	`008100A000`
Alternative APN	`6-009D-B092-00-0006.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,542 sqft Living Area
Gross Area	2,292 sqft Gross Area
1st Floor	792 sqft 1st Floor
Basement Area	750 sqft Basement
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Bi-Level Style
Exterior Material	Wood Exterior
Roof Construction	Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	8,680 sqft (0.199 acres)
Depth X Width	155 ft x 56 ft Depth x Width
Porch	Open Porch
Porch Area	182 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	008100A000
Street Address	312 N 4TH ST
City	SAINT CHARLES
State	MO
Zip	63301-2022
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PT CITY BLK 92
Legal Subdivision	4TH STREET
Legal Block	92
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Minor Civil Division	RIVERS
Census Blockgroup	1
Census Block	1052
Census Tract	310502