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

St. Charles County property record for 317 N 4th St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,536 sqft · built 1900
Lot Size	0.138 acres (6,000 sqft)
Owner	Trust Name on File
Last Sale	$370,000 (Jan 2026)
Tax Bill	$4,916 (2025)
Deeds & Mortgages	Jun 2025 Mortgage Dec 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`011220A000`

Property Details

APN / Parcel Number

Primary APN	`011220A000`
Alternative APN	`6-009D-B125-00-0012.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,536 sqft Living Area
Gross Area	2,304 sqft
1st Floor Area	768 sqft
Basement Area	768 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	75 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	Deck Area
Patio Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	011220A000
Street Address	317 N 4TH ST
City	SAINT CHARLES
State	MO
Zip	63301-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC5
Legal Description	PT CITY BLK 125
Legal Subdivision	CITY/ST CHARLES
Legal Block	125
Legal Lot Number	12
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1050
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

317 N 4th St is held in a trust since January 2026.

Source: St. Charles County records, as of September 11, 2026

Owner of Record	Trust Name on File
Mailing Address	811 E 640 S, SALEM, UT 84653-5652
Owner Type	Company
Vesting	Trust, Family Trust

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

Date	Document
Jun 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Dec 28, 2021	Deed of Trust, Mortgage · Line of Credit CARROLLTON BANK
Jan 5, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 21, 2019	Warranty Deed, Transfer DAS ACQUISITION
Jun 1, 2017	Intrafamily Transfer, Transfer · ARM PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2026 · Amount on File
Deed Sale	Jan 5, 2026 · Amount on File
Prior Sale	May 30, 2025 · Amount on File
Deed Document Number	2026425
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	317 N 4TH ST, SAINT CHARLES, MO 63301-2021
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 CLARK ST, SAINT CHARLES, MO 63301-1875

Mortgage

Document Number	0000025255
Date	Jun 16, 2025
Instrument	2025R-025255

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.8%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.8%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	317 N 4TH ST, SAINT CHARLES, MO 63301-2021
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 COTTAGE GROVE DR, WENTZVILLE, MO 63385-4604

Mortgage

Document Number	0000103881
Date	Dec 28, 2021
Instrument	2021R-103881

Lender

Name	CARROLLTON BANK
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount on Record

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 5, 2026
Property Address	317 N 4TH ST, SAINT CHARLES, MO 63301-2021
Document Number	0000000425
Instrument Date	Dec 29, 2025
Instrument	2026R-000425
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	306 N 5TH ST, SAINT CHARLES, MO 63301-1854

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	811 E 640 S, SALEM, UT 84653-5652

Mortgage

Document Number	0000000426
Date	Jan 5, 2026
Instrument	2026R-000426

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 21, 2019
Property Address	317 N 4TH ST, SAINT CHARLES, MO 63301-2021
Document Number	0071861527
Book / Page	007186 / 001527
Instrument Date	Nov 14, 2019
Instrument	670100
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 N 4TH ST ST CHARLES MO 633012021, ST CHARLES, MO 63301-2021

Mortgage

Document Number	71861530
Date	Nov 21, 2019
Book Page	007186/001530
Instrument	670110

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2049

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jun 1, 2017
Property Address	317 N 4TH ST, SAINT CHARLES, MO 63301-2021
Document Number	0067521298
Book / Page	6752 / 1298
Instrument Date	Apr 5, 2017
Instrument	20170001000334970
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	NATIONAL LINK

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	317 N 4TH ST, SAINT CHARLES, MO 63301-2021

Mortgage

Document Number	20170001000334980
Date	Jun 1, 2017
Instrument	20170001000334980

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

Tax Assessment & Valuation

The 2025 property tax bill for 317 N 4th St was $4,916, up 3.6% 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		$72,491 (-)	$226,536 (-) Land $50,000 Building $176,536
2025	$4,916.00 (+3.58%)	$72,491	$226,536 Land $50,000 Building $176,536
2024	$4,746.00
2023		$40,647
2022			$213,937 Land $37,500 Building $176,437

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 317 N 4th St in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1980.

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

The area around 317 N 4th St has no burnable land within ember reach, so its wildfire risk is not rated.

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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