St. Charles County property record for 4072 Broad St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,100 sqft · built 2015 |
| Lot Size | 0.082 acres (3,572 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $313,584 (Feb 2016) |
| Tax Bill | $6,483 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | T160500048 |
| Primary APN | T160500048 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,100 sqft Living Area |
| Gross Area | 4,050 sqft |
| 1st Floor Area | 1,350 sqft |
| Basement Area | 1,150 sqft |
| Finished Basement | 600 sqft |
| Unfinished Basement | 550 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Lot Area | 3,572 sqft (0.082 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T160500048 |
|---|---|
| Street Address | 4072 BROAD ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN AT ST CHAS GATEWAY DIST #1 LOT 107 |
| Legal Subdivision | NEW TOWN AT ST CHAS GATEWAY DIST #1 |
| Legal Lot Number | 107 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 310201 |
4072 Broad St is owned and occupied by two individuals who bought it in February 2016.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4072 BROAD ST, SAINT CHARLES, MO 63301-8445 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST |
| Oct 8, 2019 | Deed of Trust, Mortgage STIFEL BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2016 · Amount on File |
| Deed Sale | Feb 19, 2016 · Amount on File |
| Prior Sale | Feb 19, 2016 · Amount on File |
| Deed Document Number | 201696470 |
| Deed Book / Page | 6492 / 1920 |
| Prior Transfer Date | Feb 18, 2016 |
| Prior Transfer Doc | 0064921918 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4072 BROAD ST, SAINT CHARLES, MO 63301-8445 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2022 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4072 BROAD ST, SAINT CHARLES, MO 63301-8445 |
| Document Number | 0000012931 |
|---|---|
| Date | Mar 4, 2022 |
| Instrument | 2022R-012931 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Mar 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.62% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4072 BROAD ST, SAINT CHARLES, MO 63301-8445 |
| Document Number | 0071630284 |
| Instrument Date | Oct 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2019 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4072 BROAD ST ST CHARLES MO 633018445, ST CHARLES, MO 63301-8445 |
| Document Number | 0071630284 |
|---|---|
| Date | Oct 16, 2019 |
| Book Page | 007163/000284 |
| Instrument | 580590 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 15, 2049 |
The 2025 property tax bill for 4072 Broad St was $6,483.
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 | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $86,397 (-) | $454,724 (-) Land $48,000 Building $406,724 | |
| 2025 | $6,483.00 | $86,397 | $454,724 Land $48,000 Building $406,724 |
| 2023 | $80,473 | ||
| 2022 | $423,540 Land $36,000 Building $387,540 |
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.
FEMA maps place 4072 Broad 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 |
| Flood Insurance Cost | Premium on File median of 31 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 3 (2013–2022) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
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 4072 Broad St 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 175 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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