St. Charles County property record for 45 Gary Ct, Saint Charles, MO 63301
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 3,480 sqft · built 1965 |
| Lot Size | 0.104 acres (4,551 sqft) |
| Owner | Company Name on Record |
| Last Sale | $230,000 (Dec 1997) |
| Tax Bill | $3,240 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 044540A000 |
| Primary APN | 044540A000 |
|---|---|
| Alternative APN |
|
| Units | 8 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,480 sqft Living Area |
| 1st Floor Area | 3,480 sqft |
| Basement Area | 1,740 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,551 sqft (0.104 acres) |
| Lot Dimensions | 111 ft deep x 41 ft wide |
| Porch | Open Porch |
| Porch Area | 39 sqft |
| Patio Area | 464 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 044540A000 |
|---|---|
| Street Address | 45 GARY CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2377 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | AC5 |
| Legal Description | CUNNINGHAM GARDENS LOT 8 |
| Legal Subdivision | CUNNINGHAM GARDENS |
| Legal Lot Number | 8 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 310501 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 627 BOONES LICK RD, SAINT CHARLES, MO 63301-2438 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 1997 · Amount on Record |
| Deed Sale | Dec 11, 1997 · Amount on Record |
| Deed Document Number | 199770838 |
| Deed Book / Page | 2008 / 473 |
| Last Transfer Date | Apr 23, 2004 |
| Transfer Doc | 0000392660 |
| Record Updated | Sep 20, 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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $51,689 (-) | $272,045 (-) Land $40,000 Building $232,045 | |
| 2025 | $3,240.00 | $51,689 (-) | $272,045 (-) Land $40,000 Building $232,045 |
| 2023 | $51,689 | ||
| 2022 | $272,045 Land $40,000 Building $232,045 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
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 450 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 · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: T-Mobile, Verizon, Wisper ISP.
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