St. Charles County property record for 407 N 4th St, Saint Charles, MO 63301 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,023 sqft · built 1920 |
| Lot Size | 0.122 acres (5,292 sqft) |
| Owner | Individual Name on File |
| Last Sale | $204,400 (Jan 2020) |
| Tax Bill | $3,235 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 011010A000 |
| Primary APN | 011010A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,023 sqft Living Area |
| Gross Area | 2,247 sqft |
| 1st Floor Area | 2,023 sqft |
| Basement Area | 224 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,292 sqft (0.122 acres) |
| Lot Dimensions | 126 ft deep x 42 ft wide |
| Porch | Open Porch |
| Porch Area | 147 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 011010A000 |
|---|---|
| Street Address | 407 N 4TH ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT CITY BLK 124 |
| Legal Subdivision | CITY/ST CHARLES |
| Legal Block | 124 |
| Legal Lot Number | 15 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 310502 |
Source: St. Charles County records · APN 011010A000
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 | 407 N 4TH ST, SAINT CHARLES, MO 63301-2023 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE MORTGAGE INC |
| Jan 13, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 13, 2020 · Amount on Record |
| Deed Sale | Jan 13, 2020 · Amount on Record |
| Prior Sale | May 01, 2006 · Amount on Record |
| Deed Document Number | 202024450 |
| Deed Book / Page | 7215 / 998 |
| Prior Transfer Date | Jan 08, 2020 |
| Prior Transfer Doc | 0072150998 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 407 N 4TH ST, SAINT CHARLES, MO 63301-2023 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0067960900 |
|---|---|
| Date | Aug 24, 2017 |
| Book Page | 6796/0900 |
| Instrument | 20170824000531790 |
| Name | CORNERSTONE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 01, 2037 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 13, 2020 |
| Property Address | 407 N 4TH ST, SAINT CHARLES, MO 63301-2023 |
| Document Number | 0072150998 |
| Book / Page | 7215 / 0998 |
| Instrument Date | Jan 08, 2020 |
| Instrument | 20200113000024450 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 N 4TH ST, SAINT CHARLES, MO 63301-2023 |
| Document Number | 20200113000024460 |
|---|---|
| Date | Jan 13, 2020 |
| Instrument | 20200113000024460 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2050 |
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 | $3,235.00 (+3.55%) | $51,595 (+6.06%) | $271,554 (+6.06%) Land $50,000 Building $221,554 |
| 2024 | $3,124.00 | ||
| 2023 | $48,647 | ||
| 2022 | $256,039 Land $37,500 Building $218,539 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833105021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 17 (1980–2022) |
| Claims Outside the SFHA | 3 of 17 |
| Most Recent Claim | Aug 2022, tidal / storm surge |
| Claims By Storm |
|
| 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; flood claims are located to the census block group, not this parcel; 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 630 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: T-Mobile USA, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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