St. Charles County property record for 4597 Gregory Gerard Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,887 sqft · built 1986 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $364,000 (Oct 2025) |
| Tax Bill | $3,395 (2025) |
| Deeds & Mortgages | Oct 2025 Sale May 2025 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A870001953 |
| Primary APN | A870001953 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,887 sqft Living Area |
| Gross Area | 3,122 sqft |
| 1st Floor Area | 1,388 sqft |
| Basement Area | 1,354 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | Deck Area |
| Patio Area | 399 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870001953 |
|---|---|
| Street Address | 4597 GREGORY GERARD DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-3451 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MEADOWRIDGE HILLS LOT 30 |
| Legal Subdivision | MEADOWRIDGE HILLS |
| Legal Lot Number | 30 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 311122 |
4597 Gregory Gerard Dr is held in a trust since October 2025.
Source: St. Charles County records, as of September 11, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 11 RAYMOND CT, SAN CARLOS, CA 94070-4338 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Oct 3, 2025 | Warranty Deed, Transfer |
| May 20, 2025 | Warranty Deed, Transfer |
| Sep 14, 2020 | Deed of Trust, Mortgage FEDERAL SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2025 · Amount on File |
| Deed Sale | Oct 3, 2025 · Amount on File |
| Prior Sale | May 20, 2025 · Amount on File |
| Deed Document Number | 202544013 |
| Prior Transfer Date | Jul 1, 2008 |
| Prior Transfer Doc | 0050812393 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 3, 2025 |
| Property Address | 4597 GREGORY GERARD DR, SAINT CHARLES, MO 63304-3451 |
| Document Number | 0000044013 |
| Instrument Date | Oct 2, 2025 |
| Instrument | 2025R-044013 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 11 RAYMOND CT, SAN CARLOS, CA 94070-4338 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 20, 2025 |
| Property Address | 4597 GREGORY GERARD DR, SAINT CHARLES, MO 63304-3451 |
| Document Number | 0000020727 |
| Map Reference | MB 25 PG 161 |
| Instrument Date | May 1, 2025 |
| Instrument | 2025R-020727 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4597 GREGORY GERARD DR, SAINT CHARLES, MO 63304-3451 |
| Document Number | 0000069353 |
| Instrument Date | Sep 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2020 |
| Title Company | RAVENSWOOD TITLE |
| Name | Verified Name |
|---|---|
| Address | 4597 GREGORY GERARD DR ST CHARLES MO 633043451, ST CHARLES, MO 63304-3451 |
| Document Number | 0000069353 |
|---|---|
| Date | Sep 18, 2020 |
| Instrument | 69353 |
| Name | FEDERAL SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CHICAGO, IL 60607 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Sep 17, 2035 |
The 2025 property tax bill for 4597 Gregory Gerard Dr was $3,395, up 7.9% from the year before.
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 | $57,166 (-) | $300,876 (-) Land $65,000 Building $235,876 | |
| 2025 | $3,395.00 (+7.95%) | $57,166 | $300,876 Land $65,000 Building $235,876 |
| 2024 | $3,145.00 | ||
| 2023 | $52,581 | ||
| 2022 | $276,741 Land $65,000 Building $211,741 |
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 4597 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.
Wildfire risk around 4597 Gregory Gerard Dr 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 98% of the US · lower than 96% 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 514 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
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