St. Charles County property record for 409 S 4th St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,095 sqft · built 1935 |
| Lot Size | 0.067 acres (2,898 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (Jan 2002) |
| Tax Bill | $2,013 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Jan 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012030A000 |
| Primary APN | 012030A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,095 sqft Living Area |
| Gross Area | 1,739 sqft |
| 1st Floor Area | 1,095 sqft |
| Basement Area | 644 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 2,898 sqft (0.067 acres) |
| Lot Dimensions | 63 ft deep x 46 ft wide |
| Terrain | Rolling |
| Porch | Porch |
| Porch Area | 64 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 012030A000 |
|---|---|
| Street Address | 409 S 4TH ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF2 |
| Legal Description | PT CITY BLK 131 |
| Legal Subdivision | CITY/ST CHARLES |
| Legal Block | 131 |
| Legal Lot Number | 15 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 310502 |
Source: St. Charles County records, as of August 7, 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 Record |
|---|---|
| Mailing Address | 409 S 4TH ST, SAINT CHARLES, MO 63301-3420 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 25, 2024 | Deed of Trust, Mortgage · Line of Credit CARROLLTON BANK |
| Jan 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BANK |
| Feb 26, 2019 | Deed of Trust, Mortgage · Line of Credit CARROLLTON BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 4, 2002 · Amount on Record |
| Deed Sale | Jan 4, 2002 · Amount on Record |
| Deed Document Number | 20021255 |
| Deed Book / Page | 2767 / 247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 409 S 4TH ST, SAINT CHARLES, MO 63301-3420 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2024 |
| Name | Verified Name |
|---|---|
| Address | 409 S 4TH ST, SAINT CHARLES, MO 63301-3420 |
| Document Number | 0000002956 |
|---|---|
| Date | Jan 25, 2024 |
| Instrument | 2024R-002956 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | CARROLLTON, IL 62016 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 25, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 409 S 4TH ST, SAINT CHARLES, MO 63301-3420 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0066890727 |
|---|---|
| Date | Jan 23, 2017 |
| Book Page | 6689/0727 |
| Instrument | 20170123000046890 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 409 S 4TH ST, SAINT CHARLES, MO 63301-3420 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0070392491 |
|---|---|
| Date | Feb 26, 2019 |
| Book Page | 7039/2491 |
| Instrument | 20190226000085200 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $31,922 (-) | $168,013 (-) Land $50,000 Building $118,013 | |
| 2025 | $2,013.00 | $31,922 (+7.3%) | $168,013 (+7.3%) Land $50,000 Building $118,013 |
| 2023 | $29,749 | ||
| 2022 | $156,579 Land $37,500 Building $119,079 |
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.
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 |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 22 (1979–2022) |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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: 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 345 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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