4038 Fulling Mill St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 4038 Fulling Mill St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,832 sqft · built 2020
Lot Size	0.221 acres (9,649 sqft)
Owner	Individual Name on File
Last Sale	$395,506 (Feb 2021)
Deeds & Mortgages	Oct 2020 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T180500392`

Property Details

APN / Parcel Number

Primary APN	`T180500392`
Alternative APN	`5-116B-C617-00-2514.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,832 sqft Living Area
Basement Area	1,832 sqft

Exterior

Year Built	Built 2020
Exterior Material	Siding
Lot Area	9,649 sqft (0.221 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180500392
Street Address	4038 FULLING MILL ST
City	SAINT CHARLES
State	MO
Zip	63301-7417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TOWN AT ST CHAS #6-P LOT 2514
Legal Range	05E
Legal Township	47N
Legal Subdivision	NEW TOWN AT ST CHAS #6-P
Legal Lot Number	2514
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	3
Census Block	3000
Census Tract	310201

Owner

4038 Fulling Mill St is owned and occupied by an individual who bought it in February 2021.

Source: St. Charles County records, as of October 19, 2023

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4038 FULLING MILL ST, SAINT CHARLES, MO 63301-7417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2020	Deed of Trust, Mortgage · Line of Credit CENTRAL BANK OF ST LOUIS
Feb 1, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STIFEL BANK & TRUST
Nov 30, 2018	Grant Deed, Construction Loan · Construction Mortgage TRIAD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2021 · Amount on File
Deed Sale	Feb 1, 2021 · Amount on File
Deed Document Number	0020219565
Deed Book / Page	2021 / 9565
Record Updated	Jun 7, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4038 FULLING MILL ST, SAINT CHARLES, MO 63301-7417
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3333 RUE ROYALE ST 4, 4, SAINT CHARLES, MO 63301-8237

Mortgage

Document Number	0000074461
Date	Oct 5, 2020
Instrument	2020R-074461

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 1, 2021
Property Address	4038 FULLING MILL ST, SAINT CHARLES, MO 63301-7417
Document Number	0000009565
Map Reference	MB 49 PG 390
Instrument Date	Jan 29, 2021
Instrument	2021R-009565
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 4, 2022
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3333 RUE ROYALE ST STE 4, 3333, SAINT CHARLES, MO 63301-8237

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4038 FULLING MILL ST, SAINT CHARLES, MO 63301-7417

Mortgage

Document Number	0000009566
Date	Feb 1, 2021
Instrument	2021R-009566

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

November 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 30, 2018
Property Address	4038 FULLING MILL ST, SAINT CHARLES, MO 63301-7417
Document Number	0070081901
Book / Page	007008 / 001901
Instrument Date	Nov 30, 2018
Instrument	671270
Transaction Type	Construction Loan
Record Updated	Dec 18, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3333 RUE ROYALE ST #4 ST CHARLES MO 633018237, 4, ST CHARLES, MO 63301-8237

Mortgage

Document Number	70081901
Date	Nov 30, 2018
Book Page	007008/001901
Instrument	671270

Lender

Name	TRIAD BK
Type	Bank
Address	10375 CLAYTON RD, ST LOUIS, MO 63131-2907

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$79,970
2022		$420,897 Land $60,000 Building $360,897

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

FEMA maps place 4038 Fulling Mill St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force

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

Wildfire risk around 4038 Fulling Mill St is low, with less than a 0.01% annual chance of 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 564 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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