4144 Providence Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4144 Providence Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,184 sqft · built 1980
Lot Size	0.227 acres (9,900 sqft)
Owner	Individual Name on Record
Last Sale	$329,000 (Jun 2024)
Tax Bill	$2,857 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`538650G028`

Property Details

APN / Parcel Number

Primary APN	`538650G028`
Alternative APN	`3-0115-5330-00-0193.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,584 sqft Living Area
Gross Area	2,848 sqft
1st Floor Area	1,184 sqft
Basement Area	1,184 sqft
Finished Basement	400 sqft
Unfinished Basement	784 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,900 sqft (0.227 acres)
Lot Dimensions	132 ft deep x 75 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	80 sqft
Deck Area	Deck Area
Patio Area	458 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	538650G028
Street Address	4144 PROVIDENCE DR
City	SAINT CHARLES
State	MO
Zip	63304-5571
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SPRING VALLEY WOODS #2 LOT 193
Legal Subdivision	SPRING VALLEY WOODS #2
Legal Lot Number	193
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	2
Census Block	2024
Census Tract	311221

Owner

Source: St. Charles County records, as of September 10, 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	4144 PROVIDENCE DR, SAINT CHARLES, MO 63304-5571
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2024 · Amount on Record
Deed Sale	Jun 24, 2024 · Amount on Record
Prior Sale	Dec 8, 2020 · Amount on Record
Deed Document Number	202424666
Prior Transfer Date	Dec 2, 2020
Prior Transfer Doc	0000096093
Record Updated	Oct 29, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 8, 2020
Property Address	4144 PROVIDENCE DR, SAINT CHARLES, MO 63304-5571
Document Number	0000096093
Instrument Date	Dec 2, 2020
Instrument	96093
Transaction Type	Transfer
Record Updated	Mar 2, 2021
Title Company	TRUE TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4144 PROVIDENCE DR ST CHARLES MO 633045571, ST CHARLES, MO 63304-5571

Mortgage

Document Number	96094
Date	Dec 8, 2020
Instrument	96094

Lender

Name	FLAT BR MTG
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 7, 2035

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$48,028 (-)	$252,780 (-) Land $56,000 Building $196,780
2025	$2,857.00	$48,028 (+15.34%)	$252,780 (+15.34%) Land $56,000 Building $196,780
2023		$41,640
2022			$219,157 Land $56,000 Building $163,157

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	7 (1986–2025)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Jun 2025 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% 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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20