4640 Hwy H, Saint Charles, MO 63301 Property Records

St. Charles County property record for 4640 Hwy H, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,056 sqft · built 1962
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$191,300 (Feb 2021)
Tax Bill	$2,879 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`874020A000`

Property Details

APN / Parcel Number

Primary APN	`874020A000`
Alternative APN	`5-0053-3280-00-0014.1000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,056 sqft Living Area
Gross Area	3,442 sqft
1st Floor Area	1,426 sqft
Basement Area	1,400 sqft
Finished Basement	630 sqft
Unfinished Basement	770 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	368 sqft
Deck Area	Deck Area
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	874020A000
Street Address	4640 HIGHWAY H
City	SAINT CHARLES
State	MO
Zip	63301-6414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA9
Legal Description	ST CHAS COMMON BLK 5
Legal Subdivision	EVANS ST CHARLES COMMONS
Legal Block	5
Legal Lot Number	14
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2057
Census Tract	310100

Owner

4640 Hwy H is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4640 HIGHWAY H, SAINT CHARLES, MO 63301-6414
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CARROLLTON BANK
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BANK
Mar 1, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2021 · Amount on File
Deed Sale	Feb 25, 2021 · Amount on File
Prior Sale	Apr 5, 2018 · Amount on File
Deed Document Number	202116799
Prior Transfer Date	Mar 22, 2010
Prior Transfer Doc	0053581470
Record Updated	Oct 29, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Feb 25, 2021
Property Address	4640 HIGHWAY H, SAINT CHARLES, MO 63301-6414
Document Number	2021R016799
Instrument Date	Feb 19, 2021
Instrument	2021R-016799
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ATG

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4640 HIGHWAY H, SAINT CHARLES, MO 63301-6414

Mortgage

Document Number	2021R016800
Date	Feb 25, 2021
Instrument	2021R-016800

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2041

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4640 HIGHWAY H, SAINT CHARLES, MO 63301-6414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ASSOCIATED T ITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073572089
Date	Jul 30, 2020
Book Page	7357/2089
Instrument	20200730000537340

Lender

Name	CARROLLTON BANK
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 1, 2017
Property Address	4640 HIGHWAY H, SAINT CHARLES, MO 63301-6414
Document Number	0067052221
Book / Page	006705 / 002221
Instrument Date	Feb 28, 2017
Instrument	125750
Transaction Type	Foreclosure
Record Updated	Mar 9, 2017

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	321 RESEARCH PKWY #303 MERIDEN CT 064508342, 303, MERIDEN, CT 06450-8342
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 4640 Hwy H was $2,879, down 0.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$46,898 (-)	$246,833 (-) Land $6,000 Building $240,833
2025	$2,879.00 (-0.45%)	$46,898	$246,833 Land $6,000 Building $240,833
2024	$2,892.00
2023		$45,880
2022			$241,471 Land $6,000 Building $235,471

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

FEMA maps place 4640 Hwy H in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 113 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	113 in force
Nearby Flood Claims	921 (1978–2026)
Claims Outside the SFHA	15 of 921
Most Recent Claim	May 2026 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jul 2019 · 75 claims Severe Storms, Tornadoes, Hail, Flooding, Jun 1995 · 54 claims Severe Storms & Flooding, Sep 1993 · 347 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

The area around 4640 Hwy H 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Brown Dog Networks Fixed Wireless	50 / 10
Wisper ISP Fixed Wireless	50 / 5

May also be available: AT&T, Verizon.

Nearby Properties on Hwy H

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures