5246 Gutermuth Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5246 Gutermuth Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,829 sqft · built 2019
Lot Size	1.49 acres (64,922 sqft)
Owner	2 Individual Names on File
Last Sale	$286,300 (Jul 2019)
Tax Bill	$7,044 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Dec 2020 Mortgage + 5 more
Flood Zone	Zone AE (high risk)
APN	`553979A000`

Property Details

APN / Parcel Number

Primary APN	`553979A000`
Alternative APN	`3-0111-1776-00-0011.4100000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,829 sqft Living Area
Gross Area	3,908 sqft
1st Floor Area	1,954 sqft
Basement Area	1,954 sqft
Finished Basement	1,875 sqft
Unfinished Basement	79 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	64,922 sqft (1.49 acres)
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	160 sqft
Deck Area	Deck Area
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	553979A000
Street Address	5246 GUTERMUTH RD
City	SAINT CHARLES
State	MO
Zip	63304-7618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
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

Owner

5246 Gutermuth Rd is owned and occupied by two individuals who bought it in July 2019.

Source: St. Charles County records, as of March 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5246 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
Jun 30, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Dec 29, 2020	Deed of Trust, Mortgage BANK OF SPRINGFIELD
Sep 2, 2020	Loan Modification, Mortgage BANK OF SPRINGFIELD
Jun 2, 2020	Loan Modification, Mortgage NOT AVAILABLE
Jan 31, 2020	Loan Modification, Mortgage BANK OF SPRINGFIELD
Jul 3, 2019	Warranty Deed, Construction Loan · Construction Mortgage BANK OF SPRINGFIELD
Apr 29, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2019 · Amount on File
Deed Sale	Jul 3, 2019 · Amount on File
Prior Sale	Apr 29, 2019
Deed Document Number	2019335790
Deed Book / Page	7100 / 560
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5246 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5246 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618

Mortgage

Document Number	0000036608
Date	Jun 30, 2022
Instrument	2022R-036608

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 24, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5246 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618
Document Number	0000006028
Instrument Date	Dec 29, 2020
Transaction Type	Mortgage
Record Updated	Mar 31, 2021
Title Company	ORT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5246 GUTERMUTH RD ST CHARLES MO 633047618, ST CHARLES, MO 63304-7618

Mortgage

Document Number	0000006028
Date	Jan 21, 2021
Instrument	6028

Lender

Name	BANK OF SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62703

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2051

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	5246 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618
Document Number	0000079517
Instrument Date	Sep 2, 2020
Transaction Type	Mortgage
Record Updated	Jan 27, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5246 GUTERMUTH RD ST CHARLES MO 633047618, ST CHARLES, MO 63304-7618

Mortgage

Document Number	0000079517
Date	Oct 20, 2020
Instrument	79517

Lender

Name	BANK OF SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62794-9301

Agreement

Term	12 Months
Due	Oct 19, 2021

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	5246 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618
Document Number	0073220932
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5246 GUTERMUTH RD ST CHARLES MO 633047618, ST CHARLES, MO 63304-7618

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	5246 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618
Document Number	0072271253
Instrument Date	Jan 31, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5246 GUTERMUTH RD ST CHARLES MO 633047618, ST CHARLES, MO 63304-7618

Mortgage

Document Number	0072271253
Date	Feb 6, 2020
Book Page	007227/001253
Instrument	76490

Lender

Name	BANK OF SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62794-9301

Agreement

Amount	Amount on Record

July 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 3, 2019
Property Address	5246 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618
Document Number	0071000560
Book / Page	7100 / 0560
Instrument Date	Jun 27, 2019
Instrument	20190703000335790
Transaction Type	Construction Loan
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5246 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618

Mortgage

Document Number	20190703000335800
Date	Jul 3, 2019
Instrument	20190703000335800

Lender

Name	BANK OF SPRINGFIELD
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	Jun 2, 2020

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 29, 2019
Property Address	5246 GUTERMUTH RD, SAINT CHARLES, MO 63304-7618
Document Number	0070651014
Book / Page	007065 / 001014
Instrument Date	Apr 24, 2019
Instrument	195060
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5246 GUTERMUTH RD ST CHARLES MO 633047618, ST CHARLES, MO 63304-7618

Tax Assessment & Valuation

The 2025 property tax bill for 5246 Gutermuth Rd was $7,044, up 10.6% from the year before.

Source: St. Charles County assessment roll, as of August 13, 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	$7,044.00 (+10.56%)	$94,001	$494,742 Land $73,775 Building $420,967
2024	$6,371.00
2023		$82,051
2022			$431,845 Land $77,868 Building $353,977

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 5246 Gutermuth Rd 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
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 5246 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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