4 Lake Forest Ct E, Saint Charles, MO 63301 Property Records

St. Charles County property record for 4 Lake Forest Ct E, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,199 sqft · built 1992
Lot Size	2.71 acres (118,483 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Sep 2020)
Tax Bill	$9,214 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`086540A004`

Property Details

APN / Parcel Number

Primary APN	`086540A004`
Alternative APN	`6-0005-5596-00-0004.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,199 sqft Living Area
Gross Area	7,111 sqft
1st Floor Area	3,199 sqft
Basement Area	3,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	118,483 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	69 sqft
Deck Area	Deck Area
Patio Area	423 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	086540A004
Street Address	4 LAKE FOREST CT E
City	SAINT CHARLES
State	MO
Zip	63301-4539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE0
Legal Description	LAKE FOREST LOT 4 AND PT LOT 3
Legal Subdivision	LAKE FOREST
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2003
Census Tract	310602

Owner

Source: St. Charles County records, as of August 7, 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	4 LAKE FOREST CT E, SAINT CHARLES, MO 63301-4539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BANK
Jun 19, 2020	Deed of Trust, Mortgage · Line of Credit CARROLLTON BANK
Sep 2, 2020	Quit Claim Deed, Transfer CARROLLTON BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2020 · Amount on Record
Deed Sale	Sep 2, 2020 · Amount on Record
Prior Sale	Sep 2, 2020 · Amount on Record
Deed Document Number	202064261
Prior Transfer Date	Sep 1, 2020
Prior Transfer Doc	0000000061
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4 LAKE FOREST CT E, SAINT CHARLES, MO 63301-4539
Transaction Type	Mortgage
Record Updated	Aug 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 LAKE FOREST CT E, SAINT CHARLES, MO 63301-4539

Mortgage

Document Number	2021R062528
Date	Jul 26, 2021
Instrument	2021R-062528

Lender

Name	CARROLLTON BANK
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4 LAKE FOREST CT E, SAINT CHARLES, MO 63301-4539
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073251759
Date	Jun 19, 2020
Book Page	7325/1759
Instrument	20200619000422500

Lender

Name	CARROLLTON BANK
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 2, 2020
Property Address	4 LAKE FOREST CT E, SAINT CHARLES, MO 63301-4539
Document Number	0000064261
Instrument Date	Sep 1, 2020
Instrument	64261
Transaction Type	Transfer
Record Updated	Oct 15, 2020
Title Company	CTC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 LAKE FOREST CT E ST CHARLES MO 633014539, ST CHARLES, MO 63301-4539

Mortgage

Document Number	64262
Date	Sep 2, 2020
Instrument	64262

Lender

Name	CARROLLTON BK
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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		$147,918 (-)	$778,513 (-) Land $140,000 Building $638,513
2025	$9,214.00 (+6.34%)	$147,918 (+8.9%)	$778,513 (+8.9%) Land $140,000 Building $638,513
2024	$8,665.00
2023		$135,829
2022			$714,894 Land $130,000 Building $584,894

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
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 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	71 (1979–2022)
Claims Outside the SFHA	11 of 71
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 13 claims Flooding, Jun 2011 · 15 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 11 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	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.

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 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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