St. Charles County property record for 5301 Gutermuth Rd, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,585 sqft · built 1978 |
| Lot Size | 3.12 acres (136,007 sqft) |
| Owner | Individual Name on File |
| Deeds & Mortgages | Oct 2022 Line of Credit Dec 2016 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 552750I000 |
| Primary APN | 552750I000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,585 sqft Living Area |
| Gross Area | 2,774 sqft |
| 1st Floor Area | 1,585 sqft |
| Basement Area | 1,189 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 136,007 sqft |
| Garage Area | 2,400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 126 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 552750I000 |
|---|---|
| Street Address | 5301 GUTERMUTH RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | LOT 6 PT SUR 304 & PT SUR 1776 |
| Legal Subdivision | US SURV 1776 |
| Legal Lot Number | 6 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 311124 |
5301 Gutermuth Rd is owned and occupied by an individual who acquired it in October 1997.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5301 GUTERMUTH RD, SAINT CHARLES, MO 63304-7615 |
| 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.
| Date | Document |
|---|---|
| Oct 7, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| Dec 30, 2016 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 27, 1997 |
| Transfer Doc | 0000061204 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5301 GUTERMUTH RD, SAINT CHARLES, MO 63304-7615 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2022 |
| Title Company | CLEAR TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 5301 GUTERMUTH RD, SAINT CHARLES, MO 63304-7615 |
| Document Number | 0000055126 |
|---|---|
| Date | Oct 7, 2022 |
| Instrument | 2022R-055126 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Sep 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5301 GUTERMUTH RD, SAINT CHARLES, MO 63304-7615 |
| Document Number | 0066841480 |
| Book / Page | 006684 / 001480 |
| Instrument Date | Dec 30, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2017 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 5301 GUTERMUTH RD ST CHARLES MO 633047615, ST CHARLES, MO 63304-7615 |
| Document Number | 0066841480 |
|---|---|
| Date | Jan 11, 2017 |
| Book Page | 006684/001480 |
| Instrument | 24170 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 10, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Cottleville City |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $61,483 | $323,593 Land $77,277 Building $246,316 |
| 2023 | $57,996 | |
| 2022 | $305,245 Land $70,252 Building $234,993 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5301 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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2017 · other causes |
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 5301 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 67% of the US · lower than 78% 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 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: i3 Broadband, T-Mobile.
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