5242 Gutermuth Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5242 Gutermuth Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,390 sqft · built 1972
Lot Size	1.16 acres (50,530 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Dec 2018)
Tax Bill	$4,569 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Dec 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T061500087`

Property Details

APN / Parcel Number

Primary APN	`T061500087`
Alternative APN	`3-0111-1776-00-0011.4110000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,390 sqft Living Area
1st Floor Area	1,390 sqft
Basement Area	1,390 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 1972
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	50,530 sqft (1.16 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	246 sqft
Deck Area	196 sqft
Patio Area	196 sqft

Location & Zoning

Account Number	T061500087
Old Parcel Number	T061500087
Street Address	5242 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 Range	03E
Legal Township	46N
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

Owner

5242 Gutermuth Rd is owned and occupied by an individual who bought it in December 2018.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5242 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.

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
Dec 12, 2018	Quit Claim Deed, Transfer OTHER
Dec 12, 2018	Warranty Deed, Transfer · Conventional Mortgage PEOPLES NATIONAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2018 · Amount on File
Deed Sale	Dec 12, 2018 · Amount on File
Prior Sale	Jan 22, 2018 · Amount on File
Deed Document Number	0070131398
Deed Book / Page	7013 / 1398
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5242 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5242 GUTERMUTH RD, COTTLEVILLE, MO 63304-7618

Mortgage

Document Number	0000046582
Date	Nov 13, 2023
Instrument	2023R-046582

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 15, 2038

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 12, 2018
Property Address	5242 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618
Document Number	0070131396
Book / Page	007013 / 001396
Instrument Date	Dec 7, 2018
Instrument	693630
Transaction Type	Transfer
Record Updated	Jan 7, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	6040 PARK BEND AVE BRASELTON GA 305176289, BRASELTON, GA 30517-6289

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 12, 2018
Property Address	5242 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618
Document Number	0070131398
Book / Page	7013 / 1398
Instrument Date	Dec 6, 2018
Instrument	20181212000693640
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ACCURATE TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5261 GUTERMUTH RD, 5261, SAINT CHARLES, MO 63304-7617

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5242 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618

Mortgage

Document Number	20181212000693650
Date	Dec 12, 2018
Instrument	20181212000693650

Lender

Name	PEOPLES NATIONAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5242 Gutermuth Rd was $4,569.

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,569.00	$52,272	$275,119 Land $57,400 Building $217,719
2023		$48,999
2022			$257,890 Land $52,182 Building $205,708

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 5242 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	Severe Storms & Flooding, Jul 1993 · 2 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

Wildfire risk around 5242 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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