St. Charles County property record for 4 Ashley Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,719 sqft · built 1984 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,748 (2024) |
| Deeds & Mortgages | Jan 2026 Line of Credit Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A850002424 |
| Primary APN | A850002424 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,719 sqft Living Area |
| Gross Area | 3,865 sqft |
| 1st Floor Area | 1,719 sqft |
| Basement Area | 1,705 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 102 sqft |
| Patio Area | 294 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A850002424 |
|---|---|
| Street Address | 4 ASHLEY CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6774 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TWELVE OAKS #1 LOT 6 FKA SOUTHGATE MANOR |
| Legal Subdivision | TWELVE OAKS #1 FKA SOUTHGATE MANOR |
| Legal Lot Number | 6 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 311149 |
4 Ashley Ct is owned and occupied by two individuals who acquired it in August 2009.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 ASHLEY CT, SAINT CHARLES, MO 63304-6774 |
| 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 |
|---|---|
| Jan 23, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| Apr 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 14, 2009 |
| Transfer Doc | 0052572453 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4 ASHLEY CT, SAINT CHARLES, MO 63304-6774 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 4 ASHLEY CT, SAINT CHARLES, MO 63304-6774 |
| Document Number | 0000003369 |
|---|---|
| Date | Jan 23, 2026 |
| Instrument | 2026R-003369 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4 ASHLEY CT, SAINT CHARLES, MO 63304-6774 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072640329 |
|---|---|
| Date | Apr 6, 2020 |
| Book Page | 7264/329 |
| Instrument | 20200406000211690 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Mar 27, 2030 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $59,382 (-) | $312,537 (-) Land $50,000 Building $262,537 | |
| 2025 | $59,382 | $312,537 Land $50,000 Building $262,537 | |
| 2024 | $2,748.00 | ||
| 2023 | $60,045 | ||
| 2022 | $316,028 Land $50,000 Building $266,028 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Ashley Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 4 (1993–2015) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
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 4 Ashley Ct is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 470 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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