St. Charles County property record for 404 Gum Tree Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,540 sqft · built 1976 |
| Lot Size | 0.201 acres (8,775 sqft) |
| Owner | Individual Name on File |
| Flood Zone | Zone X (minimal risk) |
| APN | 093455A108 |
| Primary APN | 093455A108 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,540 sqft Living Area |
| Gross Area | 3,220 sqft |
| 1st Floor Area | 1,540 sqft |
| Basement Area | 1,260 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,775 sqft (0.201 acres) |
| Lot Dimensions | 117 ft deep x 75 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 90 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 093455A108 |
|---|---|
| Street Address | 404 GUM TREE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1246 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | SUNNYBROOK PK #6 REVISED LOT 109 |
| Legal Subdivision | SUNNYBROOK PK #6 |
| Legal Lot Number | 109 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 310602 |
404 Gum Tree Dr is owned and occupied by an individual who acquired it in January 2025.
Source: St. Charles County records, as of August 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 404 GUM TREE DR, SAINT CHARLES, MO 63301-1246 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 22, 2025 |
| Transfer Doc | 0000002831 |
| Record Updated | Oct 29, 2026 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $51,881 | $273,060 Land $60,000 Building $213,060 |
| 2023 | $47,268 | |
| 2022 | $248,778 Land $60,000 Building $188,778 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 Gum Tree Dr in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1978.
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 |
| Nearby Flood Claims | 12 (1978–2012) |
| Claims Outside the SFHA | 6 of 12 |
| Most Recent Claim | May 2012 · 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.
The area around 404 Gum Tree Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 515 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL 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.
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