4538 Central School Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4538 Central School Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,533 sqft · built 2017
Lot Size	1.49 acres (64,904 sqft)
Owner	Individual Name on Record
Last Sale	$527,000 (Feb 2026)
Tax Bill	$5,116 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jul 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`534510A000`

Property Details

APN / Parcel Number

Primary APN	`534510A000`
Alternative APN	`3-0016-S018-00-0012.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,533 sqft Living Area
Gross Area	3,960 sqft
1st Floor Area	1,533 sqft
Basement Area	1,533 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	64,904 sqft (1.49 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	894 sqft
Parking Spaces	3 Parking Spaces
Patio Area	672 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	534510A000
Street Address	4538 CENTRAL SCHOOL RD
City	SAINT CHARLES
State	MO
Zip	63304-7114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	SE FRL 1/4 FRL SEC 18
Legal Range	4
Legal Township	46
Legal Section	01
Legal Lot Number	12
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2036
Census Tract	311322

Owner

Source: St. Charles County records, as of September 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4538 CENTRAL SCHOOL RD, SAINT CHARLES, MO 63304-7114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK & TRUST CO
Jul 10, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2026 · Amount on Record
Deed Sale	Feb 11, 2026 · Amount on Record
Prior Sale	Jul 10, 2023 · Amount on Record
Deed Document Number	20266326
Prior Transfer Date	Jul 8, 2023
Prior Transfer Doc	0000027146
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 11, 2026
Property Address	4538 CENTRAL SCHOOL RD, SAINT CHARLES, MO 63304-7114
Document Number	0000006326
Instrument Date	Feb 6, 2026
Instrument	2026R-006326
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE COMPANY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 HARRELL RD, TROY, MO 63379-5732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 CENTRAL SCHOOL RD, SAINT CHARLES, MO 63304-7114

Mortgage

Document Number	0000006327
Date	Feb 11, 2026
Instrument	2026R-006327

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 10, 2023
Property Address	4538 CENTRAL SCHOOL RD, SAINT CHARLES, MO 63304-7114
Document Number	0000027146
Instrument Date	Jul 8, 2023
Instrument	2023R-027146
Transaction Type	Transfer
Record Updated	Jul 25, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4550 CENTRAL SCHOOL RD, SAINT CHARLES, MO 63304-7114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 CENTRAL SCHOOL RD, SAINT CHARLES, MO 63304-7114

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		$86,365 (-)	$454,551 (-) Land $104,000 Building $350,551
2025	$5,116.00 (+4.54%)	$86,365 (+5.23%)	$454,551 (+5.23%) Land $104,000 Building $350,551
2024	$4,894.00 (+15.02%)
2023		$82,075 (+23.82%)
2022	$4,255.00	$66,286	$431,975 (+23.82%) Land $100,000 Building $331,975
2021			$348,880 Land $80,000 Building $268,880

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	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	Severe Storms And Flooding, Jul 2022 · 5 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms & Flooding, Sep 1993 · 2 claims

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 99.1% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST PETERS PWS serves 52,575 people · EPA ID MO6010719
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Mar 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	Under 1 ppb (2022–2024) 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 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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