St. Charles County property record for 402 N 4th St, Saint Charles, MO 63301 · Last verified April 2026
| Property Type | Residential > Multi-Unit > Duplex |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1888 |
| Square Footage | 2,778 sqft Living Area |
| Lot Size | 8,700 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $180,300 (2020) |
| Tax Bill | $3,193.00 (2024) |
Source: St. Charles County records · APN 008160A000
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 | 402 N 4TH ST, SAINT CHARLES, MO 63301-2024 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Oct 08, 2019 | Deed of Trust, Mortgage MISCELLANEOUS GOVT AGCY |
| Feb 27, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 22, 2020 · Amount on Record |
| Deed Sale | Jun 22, 2020 · Amount on Record |
| Prior Sale | Jun 22, 2020 · Amount on Record |
| Deed Doc Number | 2020426430 |
| Deed Book / Page | 7326 / 1882 |
| Prior Transfer Date | Jun 16, 2020 |
| Prior Transfer Doc | 0073261882 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 22, 2020 |
| Property Address | 402 N 4TH ST, SAINT CHARLES, MO 63301-2024 |
| Document Number | 0073261882 |
| Book / Page | 7326 / 1882 |
| Instrument Date | Jun 16, 2020 |
| Instrument | 20200622000426430 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | FREEDOM TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 402 N 4TH ST, SAINT CHARLES, MO 63301-2024 |
| Document Number | 20200622000426440 |
|---|---|
| Date | Jun 22, 2020 |
| Instrument | 20200622000426440 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 402 N 4TH ST, SAINT CHARLES, MO 63301-2024 |
| Document Number | 0071941817 |
| Instrument Date | Oct 08, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 402 N 4TH ST ST CHARLES MO 633012024, ST CHARLES, MO 63301-2024 |
| Document Number | 0071941817 |
|---|---|
| Date | Dec 06, 2019 |
| Book Page | 007194/001817 |
| Instrument | 701050 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | 200 N SECON ST |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Dec 05, 2024 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 27, 2019 |
| Property Address | 402 N 4TH ST, SAINT CHARLES, MO 63301-2024 |
| Document Number | 0070401192 |
| Book / Page | 7040 / 1192 |
| Instrument Date | Feb 13, 2019 |
| Instrument | 20190227000087110 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 402 N 4TH ST, SAINT CHARLES, MO 63301-2024 |
| Document Number | 20190227000087120 |
|---|---|
| Date | Feb 27, 2019 |
| Instrument | 20190227000087120 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2049 |
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 | $3,523.00 (+10.34%) | $56,249 (+13.1%) | $296,046 (+13.1%) Land $45,000 Building $251,046 |
| 2024 | $3,193.00 | ||
| 2023 | $49,736 | ||
| 2022 | $261,766 Land $45,000 Building $216,766 |
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 | 008160A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Building Area | 2,778 sqft Living Area |
| Gross Area | 4,458 sqft Gross Area |
| 1st Floor | 2,778 sqft 1st Floor |
| Basement Area | 1,680 sqft Basement |
| Stories | 1 Stories |
| Year Built | Built 1888 |
|---|---|
| Effective Year Built | Effective 1888 |
| Architectural Style | Duplex Single Style |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 8,700 sqft (0.2 acres) |
| Depth X Width | 145 ft x 60 ft Depth x Width |
| Porch | Open Porch |
| Porch Area | 270 sqft Porch |
| 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 | 008160A000 |
|---|---|
| Street Address | 402 N 4TH ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2024 |
| Property Usage | Residential Property Usage |
| Type | Residential > Multi-Unit > Duplex |
| Legal Description | PT CITY BLK 93 |
| Legal Block | 93 |
| Legal Lot Number | 11 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | RIVERS |
| Census Blockgroup | 1 |
| Census Block | 1006 |
| Census Tract | 310502 |
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