St. Charles County property record for 4 Edgemont Cir, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 2,660 sqft · built 1992 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $251,000 (Apr 2019) |
| Tax Bill | $4,651 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Feb 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A896000039 |
| Primary APN | A896000039 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,660 sqft Living Area |
| Gross Area | 3,541 sqft |
| 1st Floor Area | 2,000 sqft |
| Basement Area | 1,100 sqft |
| Finished Basement | 660 sqft |
| Unfinished Basement | 440 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Porch | Open Porch |
| Porch Area | 333 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A896000039 |
|---|---|
| Street Address | 4 EDGEMONT CIR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-5504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EDGEMONT LOT 19 |
| Legal Subdivision | EDGEMONT |
| Legal Lot Number | 19 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 310602 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4 EDGEMONT CIR, SAINT CHARLES, MO 63301-5504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2020 | Deed of Trust, Mortgage JEFFERSON BK/MO |
| Feb 3, 2020 | Deed of Trust, Mortgage · Line of Credit JEFFERSON BK/MO |
| Apr 25, 2019 | Warranty Deed, Transfer JEFFERSON BK/MO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2019 · Amount on Record |
| Deed Sale | Apr 25, 2019 · Amount on Record |
| Prior Sale | Oct 27, 2014 · Amount on Record |
| Deed Document Number | 2019190190 |
| Deed Book / Page | 7064 / 593 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4 EDGEMONT CIR, SAINT CHARLES, MO 63301-5504 |
| Document Number | 0000074208 |
| Instrument Date | Sep 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2020 |
| Title Company | ALLIANT NATIONAL TITLE INSURANCE COMPANY, ALLIANT NAT'L TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4 EDGEMONT CIR ST CHARLES MO 633015504, ST CHARLES, MO 63301-5504 |
| Document Number | 0000074208 |
|---|---|
| Date | Oct 2, 2020 |
| Instrument | 74208 |
| Name | JEFFERSON BK/MO |
|---|---|
| Type | Bank |
| Address | JEFFERSON CITY, MO 65109-2660 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4 EDGEMONT CIR, SAINT CHARLES, MO 63301-5504 |
| Document Number | 0072300527 |
| Instrument Date | Feb 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4 EDGEMONT CT ST CHARLES MO 633015505, ST CHARLES, MO 63301-5505 |
| Document Number | 0072300527 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 007230/000527 |
| Instrument | 87690 |
| Name | JEFFERSON BK/MO |
|---|---|
| Type | Bank |
| Address | JEFFERSON CITY, MO 65109-2660 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 11, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 25, 2019 |
| Property Address | 4 EDGEMONT CIR, SAINT CHARLES, MO 63301-5504 |
| Document Number | 0070640593 |
| Book / Page | 007064 / 000593 |
| Instrument Date | Mar 6, 2019 |
| Instrument | 190190 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2019 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4 EDGEMONT CIR ST CHARLES MO 633015504, ST CHARLES, MO 63301-5504 |
| Document Number | 70640597 |
|---|---|
| Date | Apr 25, 2019 |
| Book Page | 007064/000597 |
| Instrument | 190200 |
| Name | JEFFERSON BK/MO |
|---|---|
| Type | Bank |
| Address | JEFFERSON CITY, MO 65109-2660 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 24, 2049 |
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 | $74,415 (-) | $391,656 (-) Building $391,656 | |
| 2025 | $4,651.00 | $74,415 (+11.1%) | $391,656 (+11.1%) |
| 2023 | $66,982 | ||
| 2022 | $352,538 Land $60,000 Building $292,538 |
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.
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 |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 61 (1979–2022) |
| Claims Outside the SFHA | 16 of 61 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 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 301 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless 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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