5646 Gutermuth Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5646 Gutermuth Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,088 sqft · built 1972
Lot Size	0.469 acres (20,473 sqft)
Owner	Individual Name on File
Tax Bill	$2,504 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`564420A000`

Property Details

APN / Parcel Number

Primary APN	`564420A000`
Alternative APN	`3-0110-0057-00-0003.5000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,088 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	20,473 sqft (0.469 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Patio Area	675 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	564420A000
Old Parcel Number	564420A000
Street Address	5646 GUTERMUTH RD
City	SAINT CHARLES
State	MO
Zip	63304-7611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT US SUR 57 LOT A
Legal Range	03E
Legal Township	46N
Legal Subdivision	US SURV 57
Legal Lot Number	3
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1004
Census Tract	311114

Owner

5646 Gutermuth Rd is owned and occupied by an individual who acquired it in July 2019.

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	5646 GUTERMUTH RD, SAINT CHARLES, MO 63304-7611
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
May 24, 2023	Deed of Trust, Mortgage · Line of Credit ALLTRU FCU
Jan 12, 2022	Deed of Trust, Mortgage ALLTRU FCU
Jun 28, 2019	Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2019
Deed Sale	Jul 1, 2019
Prior Sale	Jun 28, 2019
Deed Document Number	20190701000329690
Deed Book / Page	7098 / 1561
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5646 GUTERMUTH RD, SAINT CHARLES, MO 63304-7611
Transaction Type	Mortgage
Record Updated	Jun 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5646 GUTERMUTH RD, SAINT CHARLES, MO 63304-7611

Mortgage

Document Number	0000019697
Date	May 24, 2023
Instrument	2023R-019697

Lender

Name	ALLTRU FCU
Type	Credit Union
Address	WENTZVILLE, MO 63385

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 22, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5646 GUTERMUTH RD, SAINT CHARLES, MO 63304-7611
Transaction Type	Mortgage
Record Updated	Jan 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5646 GUTERMUTH RD, SAINT CHARLES, MO 63304-7611

Mortgage

Document Number	0000002688
Date	Jan 12, 2022
Instrument	2022R-002688

Lender

Name	ALLTRU FCU
Type	Credit Union
Address	WENTZVILLE, MO 63385

Agreement

Amount	Amount on Record
Term	48 Months
Due	Jan 20, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 28, 2019
Property Address	5646 GUTERMUTH RD, SAINT CHARLES, MO 63304-7611
Document Number	0070970260
Book / Page	7097 / 0260
Instrument Date	Jun 26, 2019
Instrument	20190628000323420
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5646 GUTERMUTH RD, 5646, SAINT CHARLES, MO 63304-7611

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5646 GUTERMUTH RD, SAINT CHARLES, MO 63304-7611

Mortgage

Document Number	20190628000323430
Date	Jun 28, 2019
Instrument	20190628000323430

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5646 Gutermuth Rd was $2,504.

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	$2,504.00	$42,040	$221,260 Land $53,250 Building $168,010
2023		$38,676
2022			$203,557 Land $40,000 Building $163,557

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5646 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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 5646 Gutermuth Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 486 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 · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Gutermuth Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures