St. Charles County property record for 5234 Gutermuth Rd, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,649 sqft · built 1986 |
| Lot Size | 1.35 acres (58,906 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,383 (2025) |
| Deeds & Mortgages | Dec 2016 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | A870003448 |
| Primary APN | A870003448 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,649 sqft Living Area |
| Gross Area | 3,976 sqft |
| 1st Floor Area | 1,749 sqft |
| Basement Area | 1,733 sqft |
| Finished Basement | 900 sqft |
| Unfinished Basement | 833 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 58,906 sqft |
| Garage Type | Attached |
| Garage Area | 494 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | A870003448 |
|---|---|
| Street Address | 5234 GUTERMUTH RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7618 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SUR 1776 |
| Legal Subdivision | US SURV 1776 |
| Legal Lot Number | 11 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 311114 |
5234 Gutermuth Rd is owned and occupied by two individuals who acquired it in January 2015.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5234 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618 |
| 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 | Jan 22, 2015 |
| Deed Sale | Jan 22, 2015 |
| Prior Sale | Mar 1, 2012 · Amount on File |
| Deed Document Number | 201539810 |
| Deed Book / Page | 6295 / 1562 |
| Prior Transfer Date | May 17, 2011 |
| Prior Transfer Doc | 0055882461 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5234 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618 |
| Document Number | 0066922098 |
| Book / Page | 006692 / 002098 |
| Instrument Date | Dec 28, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5234 GUTERMUTH RD ST CHARLES MO 633047618, ST CHARLES, MO 63304-7618 |
| Document Number | 0066922098 |
|---|---|
| Date | Jan 30, 2017 |
| Book Page | 006692/002098 |
| Instrument | 64250 |
| Name | WEST CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 29, 2037 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 5234 Gutermuth Rd was $5,383, up 2.9% 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 | $67,165 (-) | $353,505 (-) Land $89,252 Building $264,253 | |
| 2025 | $5,383.00 (+2.91%) | $67,165 | $353,505 Land $89,252 Building $264,253 |
| 2024 | $5,231.00 | ||
| 2023 | $64,184 (+20.91%) | ||
| 2022 | $4,811.00 | $53,085 | $337,815 (+20.91%) Land $81,138 Building $256,677 |
| 2021 | $279,396 Land $82,800 Building $196,596 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5234 Gutermuth Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1993) |
| Most Recent Claim | Jul 1993 · Severe Storms & 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 5234 Gutermuth Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 90% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% 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 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| AT&T Fiber · 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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