St. Charles County property record for 609 S 4th St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,170 sqft · built 1875 |
| Lot Size | 0.132 acres (5,740 sqft) |
| Owner | Individual Name on File |
| Last Sale | $289,000 (May 2026) |
| Tax Bill | $2,165 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012120A000 |
| Primary APN | 012120A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,170 sqft Living Area |
| Gross Area | 1,290 sqft |
| 1st Floor Area | 1,170 sqft |
| Basement Area | 120 sqft |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,740 sqft (0.132 acres) |
| Lot Dimensions | 164 ft deep x 35 ft wide |
| Porch | Slab |
| Porch Area | 290 sqft |
| Patio Area | 390 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 012120A000 |
|---|---|
| Street Address | 609 S 4TH ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA5 |
| Legal Description | PT CITY BLK 133 |
| Legal Subdivision | CITY/ST CHARLES |
| Legal Block | 133 |
| Legal Lot Number | 9 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 310502 |
609 S 4th St is owned and occupied by an individual who bought it in May 2026.
Source: St. Charles County records, as of September 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 609 S 4TH ST, SAINT CHARLES, MO 63301-3424 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| May 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE |
| Oct 5, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Aug 1, 2019 | Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC |
| Dec 29, 2017 | Warranty Deed, Transfer DAS ACQUISITION |
| May 18, 2017 | Warranty Deed, Transfer OTHER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 2026 · Amount on File |
| Deed Sale | May 4, 2026 · Amount on File |
| Prior Sale | Oct 5, 2021 · Amount on File |
| Deed Document Number | 202620799 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 4, 2026 |
| Property Address | 609 S 4TH ST, SAINT CHARLES, MO 63301-3424 |
| Document Number | 0000020799 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 202620799 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 609 S 4TH ST, SAINT CHARLES, MO 63301-3424 |
| Document Number | 0000020800, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 202620800 |
| Name | WINTRUST MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 5, 2021 |
| Property Address | 609 S 4TH ST, SAINT CHARLES, MO 63301-3424 |
| Document Number | 2021R082987 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 2021R-082987 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2021 |
| Title Company | NOT AVAILABLE, UST |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 609 S 4TH ST, 609, SAINT CHARLES, MO 63301-3424 |
| Name | Verified Name |
|---|---|
| Address | 609 S 4TH ST, SAINT CHARLES, MO 63301-3424 |
| Document Number | 2021R082988 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 2021R-082988 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 1, 2019 |
| Property Address | 609 S 4TH ST, SAINT CHARLES, MO 63301-3424 |
| Document Number | 0071160296 |
| Book / Page | 7116 / 0296 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 20190801000399900 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 609 S 4TH ST, SAINT CHARLES, MO 63301-3424 |
| Document Number | 20190801000399910 |
|---|---|
| Date | Aug 1, 2019 |
| Instrument | 20190801000399910 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 29, 2017 |
| Property Address | 609 S 4TH ST, SAINT CHARLES, MO 63301-3424 |
| Document Number | 0068601806 |
| Book / Page | 006860 / 001806 |
| Instrument Date | Dec 22, 2017 |
| Instrument | 802880 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2018 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 609 S 4TH ST ST CHARLES MO 633013424, ST CHARLES, MO 63301-3424 |
| Document Number | 68601808 |
|---|---|
| Date | Dec 29, 2017 |
| Book Page | 006860/001808 |
| Instrument | 802890 |
| Name | DAS ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63141 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 28, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 18, 2017 |
| Property Address | 609 S 4TH ST, SAINT CHARLES, MO 63301-3424 |
| Document Number | 0067451561 |
| Book / Page | 006745 / 001561 |
| Instrument Date | May 16, 2017 |
| Instrument | 305510 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2017 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1404 ST CHARLES MO 633021404, ST CHARLES, MO 63302-1404 |
The 2025 property tax bill for 609 S 4th St was $2,165, up 5.5% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $34,361 (-) | $180,850 (-) Land $50,000 Building $130,850 | |
| 2025 | $2,165.00 (+5.51%) | $34,361 | $180,850 Land $50,000 Building $130,850 |
| 2024 | $2,052.00 | ||
| 2023 | $31,776 | ||
| 2022 | $167,247 Land $37,500 Building $129,747 |
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.
FEMA maps place 609 S 4th St in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 22 (1979–2022) |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 609 S 4th St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 345 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures