St. Charles County property record for 4581 Gregory Gerard Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,911 sqft · built 1986 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $146,000 (Apr 2014) |
| Tax Bill | $3,259 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A870001996 |
| Primary APN | A870001996 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,911 sqft Living Area |
| Gross Area | 2,706 sqft |
| 1st Floor Area | 1,186 sqft |
| Basement Area | 1,040 sqft |
| Finished Basement | 725 sqft |
| Unfinished Basement | 315 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | Deck Area |
| Patio Area | 230 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870001996 |
|---|---|
| Street Address | 4581 GREGORY GERARD DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-3449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MEADOWRIDGE HILLS LOT 73 |
| Legal Subdivision | MEADOWRIDGE HILLS |
| Legal Lot Number | 73 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 311122 |
4581 Gregory Gerard Dr is owned and occupied by two individuals who bought it in April 2014.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4581 GREGORY GERARD DR, SAINT CHARLES, MO 63304-3449 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2014 · Amount on File |
| Deed Sale | Apr 29, 2014 · Amount on File |
| Prior Sale | Feb 22, 2002 · Amount on File |
| Deed Document Number | 2014215720 |
| Deed Book / Page | 6180 / 1287 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4581 GREGORY GERARD DR, SAINT CHARLES, MO 63304-3449 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 4581 GREGORY GERARD DR, SAINT CHARLES, MO 63304-3449 |
| Document Number | 2021R014233 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 2021R-014233 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2036 |
The 2025 property tax bill for 4581 Gregory Gerard Dr was $3,259.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $54,854 (-) | $288,706 (-) Land $65,000 Building $223,706 | |
| 2025 | $3,259.00 | $54,854 | $288,706 Land $65,000 Building $223,706 |
| 2023 | $49,878 | ||
| 2022 | $262,517 Building $262,517 |
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.
FEMA maps place 4581 Gregory Gerard Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 7 (1979–2015) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Jun 2015 · rainfall accumulation |
| 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.
The area around 4581 Gregory Gerard Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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 | 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 494 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: Wisper ISP.
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