725 N 4th St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 725 N 4th St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,608 sqft · built 1908
Lot Size	0.184 acres (8,000 sqft)
Owner	Company Name on File
Last Sale	$272,000 (May 2016)
Tax Bill	$3,964 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010730A000`

Property Details

APN / Parcel Number

Primary APN	`010730A000`
Alternative APN	`6-009A-B121-00-0001.0000000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,608 sqft Living Area
Gross Area	3,248 sqft
1st Floor Area	2,233 sqft
Basement Area	1,015 sqft
Finished Basement	375 sqft
Unfinished Basement	640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,000 sqft (0.184 acres)
Lot Dimensions	160 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	142 sqft
Patio Area	355 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	010730A000
Street Address	725 N 4TH ST
City	SAINT CHARLES
State	MO
Zip	63301-2050
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF2
Legal Description	PT CITY BLK 121
Legal Subdivision	CITY/ST CHARLES
Legal Block	121
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1022
Census Tract	310400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Frenchtown Historic District listed 1991 · 206 contributing resources · NRIS 91000216

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

725 N 4th St is owned by a company that acquired it in December 2016 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	725 N 4TH ST, SAINT CHARLES, MO 63301-2050
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2016 · Amount on File
Deed Sale	May 27, 2016 · Amount on File
Prior Sale	May 27, 2016 · Amount on File
Deed Document Number	2016325370
Deed Book / Page	6546 / 51
Last Transfer Date	Dec 16, 2016
Transfer Doc	0066710001
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	725 N 4TH ST, SAINT CHARLES, MO 63301-2050
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 N 4TH ST, SAINT CHARLES, MO 63301-2050

Mortgage

Document Number	0000054112
Date	Dec 3, 2025
Instrument	2025R-054112

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 725 N 4th St was $3,964, up 5.4% 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
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,352 (-)	$333,431 (-) Land $50,000 Building $283,431
2025	$3,964.00 (+5.4%)	$63,352	$333,431 Land $50,000 Building $283,431
2024	$3,761.00
2023		$58,675
2022			$308,815 Land $37,500 Building $271,315

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 725 N 4th St in Zone X, an area of minimal flood risk, though there have been 3 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
Nearby Flood Claims	3 (1979–1985)
Most Recent Claim	Aug 1985 · tidal / storm surge

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 725 N 4th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% 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 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

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 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL 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