St. Charles County property record for 4520 Central School Rd, Saint Charles, MO 63304
| Property Type | Office Building |
|---|---|
| Details | 4,941 sqft · built 1997 |
| Lot Size | 1.71 acres (74,531 sqft) |
| Owner | Company Name on File |
| Last Sale | $725,000 (Jul 2022) |
| Deeds & Mortgages | Mar 2024 Line of Credit Jul 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | T232700001 |
| Primary APN | T232700001 |
|---|---|
| Alternative APN |
|
| Building Area | 4,941 sqft Total Area |
|---|
| Year Built | Built 1997 |
|---|---|
| Lot Area | 74,531 sqft (1.71 acres) |
| Account Number | T232700001 |
|---|---|
| Street Address | 4520 CENTRAL SCHOOL RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7114 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Legal Description | PT SE FRL SEC 18 |
| Legal Lot Number | 8 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 311322 |
4520 Central School Rd, a commercial property, is owned by a company that bought it in July 2022.
Source: St. Charles County records, as of January 16, 2024
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 249 BELLEMEADE DR, SAINT PETERS, MO 63376-2233 |
| Owner Type | Company |
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, 2024 | Deed of Trust, Mortgage · Line of Credit AMERICAN BANK OF MISSOURI |
| Jul 18, 2022 | Warranty Deed, Transfer · Line of Credit AMERICAN BANK OF MISSOURI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 18, 2022 · Amount on File |
| Deed Sale | Jul 18, 2022 · Amount on File |
| Deed Document Number | 0202239718 |
| Deed Book / Page | 2022 / 39718 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4520 CENTRAL SCHOOL RD, SAINT CHARLES, MO 63304-7114 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2024 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 4520 CENTRAL SCHOOL RD, SAINT CHARLES, MO 63304-7114 |
| Document Number | 0000007968 |
|---|---|
| Date | Mar 4, 2024 |
| Instrument | 2024R-007968 |
| Name | AMERICAN BANK OF MISSOURI |
|---|---|
| Type | Bank |
| Address | WRIGHT CITY, MO 63390 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 18, 2022 |
| Property Address | 4520 CENTRAL SCHOOL RD, SAINT CHARLES, MO 63304-7114 |
| Document Number | 0000039718 |
| Instrument Date | Jul 13, 2022 |
| Instrument | 2022R-039718 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 501 1ST CAPITOL DR STE 5, 5, SAINT CHARLES, MO 63301-2768 |
| Name | Verified Name |
|---|---|
| Address | 249 BELLEMEADE DR, SAINT PETERS, MO 63376-2233 |
| Document Number | 0000039719 |
|---|---|
| Date | Jul 18, 2022 |
| Instrument | 2022R-039719 |
| Name | AMERICAN BANK OF MISSOURI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
Source: St. Charles County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $113,044 | $353,262 Land $223,464 Building $129,798 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 4520 Central School Rd in Zone X, an area of minimal 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 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 | 7 in force |
| Nearby Flood Claims | 24 (1982–2022) |
| Claims Outside the SFHA | 1 of 24 |
| 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.
Wildfire risk around 4520 Central School Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 198 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: i3 Broadband, Wisper ISP.
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