4 Scott Cir, Saint Charles, MO 63303 Property Records

St. Charles County property record for 4 Scott Cir, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,093 sqft · built 1988
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$251,300 (Dec 2002)
Tax Bill	$4,428 (2024)
Deeds & Mortgages	Dec 2025 Sale Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`151050B031`

Property Details

APN / Parcel Number

Primary APN	`151050B031`
Alternative APN	`6-010C-5457-00-0023.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,093 sqft Living Area
Gross Area	4,615 sqft
1st Floor Area	2,093 sqft
Basement Area	1,994 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,166 sqft (0.44 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	100 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	151050B031
Street Address	4 SCOTT CIR
City	SAINT CHARLES
State	MO
Zip	63303-3348
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WOODS #2 LOT 23
Legal Subdivision	WOODS #2
Legal Lot Number	23
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	3
Census Block	3004
Census Tract	310902

Owner

Source: St. Charles County records, as of August 26, 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	3369 HANNIBAL DR, SAINT CHARLES, MO 63301-4449
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Beneficiary Deed, Transfer
Dec 7, 2019	Deed of Trust, Mortgage GOLDEN OAK LNDG
Feb 10, 2017	Deed of Trust, Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2002 · Amount on Record
Deed Sale	Dec 6, 2002 · Amount on Record
Prior Sale	Oct 15, 2001 · Amount on Record
Deed Document Number	2002124603
Deed Book / Page	3144 / 386
Prior Transfer Date	Dec 18, 1998
Prior Transfer Doc	0000003287
Record Updated	Oct 29, 2026

December 2025: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 22, 2025
Property Address	4 SCOTT CIR, SAINT CHARLES, MO 63303-3348
Document Number	0000057425
Map Reference	MB 21 PG 172
Instrument Date	Dec 15, 2025
Instrument	2025R-057425
Transaction Type	Transfer
Record Updated	Jan 8, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 SCOTT CIR, SAINT CHARLES, MO 63303-3348

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3369 HANNIBAL DR, SAINT CHARLES, MO 63301-4449

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4 SCOTT CIR, SAINT CHARLES, MO 63303-3348
Document Number	0071982014
Instrument Date	Dec 7, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 SCOTT CIR ST CHARLES MO 633033348, ST CHARLES, MO 63303-3348

Mortgage

Document Number	0071982014
Date	Dec 13, 2019
Book Page	007198/002014
Instrument	718060

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 12, 2034

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4 SCOTT CIR, SAINT CHARLES, MO 63303-3348
Document Number	0067000637
Book / Page	006700 / 000637
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Feb 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 SCOTT CIR ST CHARLES MO 633033348, ST CHARLES, MO 63303-3348

Mortgage

Document Number	0067000637
Date	Feb 16, 2017
Book Page	006700/000637
Instrument	100450

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 15, 2032

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		$75,996 (-)	$399,980 (-) Land $70,000 Building $329,980
2025		$75,996 (+9.87%)	$399,980 (+9.87%) Land $70,000 Building $329,980
2024	$4,428.00
2023		$69,170
2022			$364,051 Land $63,000 Building $301,051

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
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	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2022 · Severe Storms 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

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 378 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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