St. Charles County property record for 4774 Central School Rd, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,620 sqft · built 1965 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $74,500 (Oct 2012) |
| Tax Bill | $2,706 (2025) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 549120A000 |
| Primary APN | 549120A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,620 sqft Living Area |
| Gross Area | 2,700 sqft |
| 1st Floor Area | 1,080 sqft |
| Basement Area | 1,080 sqft |
| Finished Basement | 540 sqft |
| Unfinished Basement | 540 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,600 sqft (0.22 acres) |
| Lot Dimensions | 128 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 232 sqft |
| Patio Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 549120A000 |
|---|---|
| Street Address | 4774 CENTRAL SCHOOL RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7159 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | CLOVER MEADOWS LOT 89 |
| Legal Subdivision | CLOVER MEADOWS |
| Legal Lot Number | 89 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 311322 |
4774 Central School Rd is owned and occupied by two individuals who bought it in October 2012.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4774 CENTRAL SCHOOL RD, SAINT CHARLES, MO 63304-7159 |
| 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 | Oct 4, 2012 · Amount on File |
| Deed Sale | Oct 4, 2012 · Amount on File |
| Prior Sale | Jul 26, 2007 · Amount on File |
| Deed Document Number | 2012758630 |
| Deed Book / Page | 5869 / 1845 |
| Prior Transfer Date | Jul 19, 2007 |
| Prior Transfer Doc | 0048051507 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4774 CENTRAL SCHOOL RD, SAINT CHARLES, MO 63304-7159 |
| Document Number | 0073171465 |
| Instrument Date | May 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4774 CENTRAL SCHOOL RD ST CHARLES MO 633047159, ST CHARLES, MO 63304-7159 |
| Document Number | 0073171465 |
|---|---|
| Date | Jun 10, 2020 |
| Book Page | 007317/001465 |
| Instrument | 392310 |
| Name | GOLDEN OAK LNDG |
|---|---|
| Address | SAINT LOUIS, MO 63146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 9, 2050 |
The 2025 property tax bill for 4774 Central School Rd was $2,706, up 9.4% 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 | $45,461 (-) | $239,268 (-) Land $47,140 Building $192,128 | |
| 2025 | $2,706.00 (+9.38%) | $45,461 | $239,268 Land $47,140 Building $192,128 |
| 2024 | $2,474.00 | ||
| 2023 | $41,263 | ||
| 2022 | $217,172 Land $47,140 Building $170,032 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4774 Central School Rd in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1982.
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 |
| 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 |
|
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 4774 Central School Rd is low, with 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 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 131 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 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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