St. Charles County property record for 401 N 4th St, Saint Charles, MO 63301 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1910 |
| Square Footage | 1,560 sqft Living Area |
| Lot Size | 5,670 sqft (0.13 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $318,535 (2025) |
| Tax Bill | $2,970.00 (2024) |
Source: St. Charles County records · APN 011080A000
Assessment roll updated August 13, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 401 N 4TH ST, SAINT CHARLES, MO 63301-2023 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 06, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Jun 05, 2020 | Deed of Trust, Mortgage CALIBER HM LOANS |
| Sep 27, 2017 | Warranty Deed, Transfer CALIBER HM LOANS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 07, 2025 · Amount on Record |
| Deed Sale | Jan 07, 2025 · Amount on Record |
| Prior Sale | Sep 27, 2017 · Amount on Record |
| Deed Doc Number | 2025622 |
| Prior Transfer Date | Jul 29, 2010 |
| Prior Transfer Doc | 0054381165 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 401 N 4TH ST, SAINT CHARLES, MO 63301-2023 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2025 |
| Name | Verified Name |
|---|---|
| Address | 401 N 4TH ST, SAINT CHARLES, MO 63301-2023 |
| Document Number | 0000044376 |
|---|---|
| Date | Oct 06, 2025 |
| Instrument | 2025R-044376 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 401 N 4TH ST, SAINT CHARLES, MO 63301-2023 |
| Document Number | 0073211002 |
| Instrument Date | Jun 05, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 401 N 4TH ST ST CHARLES MO 633012023, ST CHARLES, MO 63301-2023 |
| Document Number | 0073211002 |
|---|---|
| Date | Jun 16, 2020 |
| Book Page | 007321/001002 |
| Instrument | 406650 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 15, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 27, 2017 |
| Property Address | 401 N 4TH ST, SAINT CHARLES, MO 63301-2023 |
| Document Number | 0068141296 |
| Book / Page | 006814 / 001296 |
| Instrument Date | Sep 21, 2017 |
| Instrument | 608560 |
| Transaction Type | Transfer |
| Record Updated | Oct 03, 2017 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 401 N 4TH ST ST CHARLES MO 633012023, ST CHARLES, MO 63301-2023 |
| Document Number | 68141298 |
|---|---|
| Date | Sep 27, 2017 |
| Book Page | 006814/001298 |
| Instrument | 608570 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 26, 2047 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,053.00 (+2.79%) | $48,664 (+5.27%) | $256,124 (+5.27%) Land $50,000 Building $206,124 |
| 2024 | $2,970.00 | ||
| 2023 | $46,228 | ||
| 2022 | $243,311 Land $37,500 Building $205,811 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified: October 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.
| Primary APN | 011080A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,560 sqft Living Area |
| Gross Area | 2,460 sqft Gross Area |
| 1st Floor | 1,560 sqft 1st Floor |
| Basement Area | 900 sqft Basement |
| Stories | 1 Stories |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 5,670 sqft (0.13 acres) |
| Depth X Width | 126 ft x 45 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport Garage |
| Garage Area | 576 sqft Garage |
| Carport | Carport |
| Carport Area | 576 sqft Carport |
| Porch | Open Porch |
| Porch Area | 168 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 011080A000 |
|---|---|
| Street Address | 401 N 4TH ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2023 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PT CITY BLK 124 |
| Legal Subdivision | CITY/ST CHARLES |
| Legal Block | 124 |
| Legal Lot Number | 14 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | RIVERS |
| Census Blockgroup | 1 |
| Census Block | 1051 |
| Census Tract | 310502 |
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