5684 Gutermuth Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5684 Gutermuth Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,098 sqft · built 1966
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,745 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`564690A000`

Property Details

APN / Parcel Number

Primary APN	`564690A000`
Alternative APN	`3-0110-0057-00-0003.8000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,098 sqft Living Area
Gross Area	2,760 sqft
1st Floor Area	1,608 sqft
Basement Area	576 sqft
Finished Basement	490 sqft
Unfinished Basement	86 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area
Patio Area	380 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	564690A000
Street Address	5684 GUTERMUTH RD
City	SAINT CHARLES
State	MO
Zip	63304-7608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT US SUR 57 LOT F
Legal Subdivision	US SURV 57
Legal Lot Number	F
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1005
Census Tract	311114

Owner

5684 Gutermuth Rd is owned and occupied by two individuals who acquired it in April 2022.

Source: St. Charles County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5684 GUTERMUTH RD, SAINT CHARLES, MO 63304-7608
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
Apr 13, 2026	Deed of Trust, Mortgage · Line of Credit UMB BANK
Apr 13, 2026	Deed of Trust, Mortgage · Line of Credit UMB BANK
Dec 1, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 31, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Apr 14, 2022	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2008
Deed Sale	Mar 13, 2008
Deed Document Number	2008183340
Deed Book / Page	4948 / 1677
Last Transfer Date	Apr 12, 2022
Transfer Doc	0000021552
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 13, 2026
Property Address	5684 GUTERMUTH RD, SAINT CHARLES, MO 63304-7608
Document Number	0000016905
Instrument Date	Apr 9, 2026
Instrument	202616905
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5684 GUTERMUTH RD, SAINT CHARLES, MO 63304-7608

Mortgage

Document Number	0000016905,
Date	Apr 13, 2026
Instrument	202616905

Lender

Name	UMB BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 13, 2026
Property Address	5684 GUTERMUTH RD, SAINT CHARLES, MO 63304-7608
Document Number	0000016905
Instrument Date	Apr 9, 2026
Instrument	202616905
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5684 GUTERMUTH RD, SAINT CHARLES, MO 63304-7608

Mortgage

Document Number	0000016905,
Date	Apr 13, 2026
Instrument	202616905

Lender

Name	UMB BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5684 GUTERMUTH RD, SAINT CHARLES, MO 63304-7608
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5684 GUTERMUTH RD, SAINT CHARLES, MO 63304-7608

Mortgage

Document Number	0000048917
Date	Dec 1, 2023
Instrument	2023R-048917

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5684 GUTERMUTH RD, SAINT CHARLES, MO 63304-7608
Transaction Type	Mortgage
Record Updated	Nov 11, 2022
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5684 GUTERMUTH RD, SAINT CHARLES, MO 63304-7608

Mortgage

Document Number	0000059209
Date	Oct 31, 2022
Instrument	2022R-059209

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 14, 2022
Property Address	5684 GUTERMUTH RD, SAINT CHARLES, MO 63304-7608
Document Number	0000021552
Instrument Date	Apr 12, 2022
Instrument	2022R-021552
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5684 GUTERMUTH RD, 5684, SAINT CHARLES, MO 63304-7608

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6 SHINING ROCK DR APT B, B, SAINT PETERS, MO 63376-3246

Tax Assessment & Valuation

The 2025 property tax bill for 5684 Gutermuth Rd was $2,745, up 9.1% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$46,118 (-)	$242,726 (-) Land $53,250 Building $189,476
2025	$2,745.00 (+9.15%)	$46,118	$242,726 Land $53,250 Building $189,476
2024	$2,515.00
2023		$41,950
2022			$220,790 Land $40,000 Building $180,790

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

Flood

FEMA maps place 5684 Gutermuth Rd in Zone X, an area of minimal flood risk.

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
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 5684 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.

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