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4550 Central School Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4550 Central School Rd, Saint Charles, MO 63304

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,816 sqft · built 1941
Lot Size1.51 acres (66,211 sqft)
OwnerIndividual Name on Record
Tax Bill$2,881 (2025)
Deeds & MortgagesAug 2023 Transfer
Flood ZoneZone X (minimal risk)
APN534480A000

Property Details

APN / Parcel Number

Primary APN534480A000
Alternative APN
  • 3-0016-S018-00-0011.0000000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,816 sqft Living Area
Gross Area2,764 sqft
1st Floor Area1,816 sqft
Basement Area480 sqft

Exterior

Year BuiltBuilt 1941
Effective Year BuiltEffective 1941
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area66,211 sqft
Garage TypeAttached
Garage Area468 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area16 sqft

Utilities, Heating & Cooling

Heating SystemGravity Furnace

Location & Zoning

Account Number534480A000
Street Address4550 CENTRAL SCHOOL RD
CitySAINT CHARLES
StateMO
Zip63304-7114
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAF0
Legal DescriptionPT NE FRL 1/2
Legal Range4
Legal Township46
Legal Section01
Legal Lot Number11
JurisdictionST CHARLES MO
Township / Civil DivisionCOTTLEVILLE
Census Block Group2
Census Block2036
Census Tract311322

Owner

Source: St. Charles County records, as of September 10, 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 RecordIndividual Name on Record
Mailing Address4538 CENTRAL SCHOOL RD, SAINT CHARLES, MO 63304-7114
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 4, 2023
Deed SaleAug 4, 2023
Deed Document Number202331350
Prior Transfer DateJul 31, 2023
Prior Transfer Doc0000031350
Record UpdatedOct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST CHARLES MO
Recording DateAug 4, 2023
Property Address4550 CENTRAL SCHOOL RD, SAINT CHARLES, MO 63304-7114
Document Number0000031350
Instrument DateJul 30, 2023
Instrument2023R-031350
Transaction TypeTransfer
Record UpdatedAug 18, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4110 FRITZ CT, COLUMBIA, MO 65203-4223

Transferred To (Grantee/Buyer)

NameVerified Name
Address4538 CENTRAL SCHOOL RD, SAINT CHARLES, MO 63304-7114

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$48,429 (-)$254,889 (-) Land $104,000 Building $150,889
2025$2,881.00 (+7.14%)$48,429 (-4.82%)$254,889 (-4.82%) Land $104,000 Building $150,889
2023$50,880 (+21.94%)
2022$2,689.00$41,726$267,791 (+21.94%) Land $100,000 Building $167,791
2021$219,609 Land $80,000 Building $139,609

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies7 in force
Nearby Flood Claims24 (1982–2022)
Claims Outside the SFHA1 of 24
Most Recent ClaimJul 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 RiskLow
lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemST PETERS PWS
serves 52,575 people · EPA ID MO6010719
Water SourcePurchased surface water from ST LOUIS CITY PWS
Last State InspectionMar 2023
Also Mapped HereMO AMERICAN ST LOUIS ST CHARLES COUNTIES
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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