4012 Providence Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4012 Providence Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,655 sqft · built 1982
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$204,000 (Feb 2012)
Tax Bill	$3,581 (2024)
Deeds & Mortgages	Feb 2020 Line of Credit Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`538650H031`

Property Details

APN / Parcel Number

Primary APN	`538650H031`
Alternative APN	`3-0115-5443-00-0172.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,655 sqft Living Area
Gross Area	3,686 sqft
1st Floor Area	1,823 sqft
Basement Area	1,403 sqft
Finished Basement	832 sqft
Unfinished Basement	571 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	65 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	538650H031
Street Address	4012 PROVIDENCE DR
City	SAINT CHARLES
State	MO
Zip	63304-5545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SPRING VALLEY WOODS #3 LOT 172
Legal Subdivision	SPRING VALLEY WOODS #3
Legal Lot Number	172
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	2
Census Block	2024
Census Tract	311221

Owner

Source: St. Charles County records, as of August 13, 2025

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	4012 PROVIDENCE DR, SAINT CHARLES, MO 63304-5545
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2020	Deed of Trust, Mortgage · Line of Credit VANTAGE CU
Dec 30, 2019	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2012 · Amount on Record
Deed Sale	Feb 7, 2012 · Amount on Record
Deed Document Number	201289580
Deed Book / Page	5720 / 2035
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4012 PROVIDENCE DR, SAINT CHARLES, MO 63304-5545
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072341809
Date	Feb 21, 2020
Book Page	7234/1809
Instrument	20200221000106870

Lender

Name	VANTAGE CU
Type	Credit Union
Address	BRIDGETON, MO 63044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 11, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4012 PROVIDENCE DR, SAINT CHARLES, MO 63304-5545
Document Number	0072110299
Instrument Date	Dec 30, 2019
Transaction Type	Mortgage
Record Updated	Feb 17, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4012 PROVIDENCE DR ST CHARLES MO 633045545, ST CHARLES, MO 63304-5545

Mortgage

Document Number	0072110299
Date	Jan 6, 2020
Book Page	007211/000299
Instrument	7710

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 5, 2035

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$64,758 (+8.07%)	$340,834 (+8.07%) Land $56,000 Building $284,834
2024	$3,581.00
2023		$59,924
2022			$315,388 Land $56,000 Building $259,388

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 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	7 (1986–2025)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Jun 2025 · rainfall accumulation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 425 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
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Verizon.

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