811 Cunningham Ave, Saint Charles, MO 63301 Property Records

St. Charles County property record for 811 Cunningham Ave, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,342 sqft · built 1956
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Feb 2019)
Tax Bill	$1,869 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`101760A000`

Property Details

APN / Parcel Number

Primary APN	`101760A000`
Alternative APN	`6-009C-4161-02-0013.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,342 sqft Living Area
Gross Area	2,122 sqft
1st Floor Area	1,342 sqft
Basement Area	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	200 ft deep x 70 ft wide
Terrain	Rolling
Garage Area	720 sqft
Parking Spaces	4 Parking Spaces
Deck Area	Deck Area
Patio Area	56 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	101760A000
Street Address	811 CUNNINGHAM AVE
City	SAINT CHARLES
State	MO
Zip	63301-2204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WILMES TRENDLEY SUB PT LOT 6
Legal Subdivision	WILMES & TRENDLEY
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	3
Census Block	3000
Census Tract	310501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	811 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Apr 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Feb 11, 2019	Personal Representative Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP
Oct 2, 2017	Affidavit of Death, Transfer
Oct 2, 2017	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2019 · Amount on Record
Deed Sale	Feb 11, 2019 · Amount on Record
Deed Document Number	201963980
Deed Book / Page	7034 / 2401
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	811 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2204
Transaction Type	Mortgage
Record Updated	Mar 19, 2026
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2204

Mortgage

Document Number	0000010089
Date	Mar 4, 2026
Instrument	2026R-010089

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	811 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2204
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2204

Mortgage

Document Number	0000023082
Date	Apr 21, 2022
Instrument	2022R-023082

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2042

February 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 11, 2019
Property Address	811 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2204
Document Number	0070342401
Book / Page	7034 / 2401
Map Reference	MB 3 PG 37
Instrument Date	Jan 31, 2019
Instrument	20190211000063980
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2204

Mortgage

Document Number	20190211000063990
Date	Feb 11, 2019
Instrument	20190211000063990

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

October 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CHARLES MO
Recording Date	Oct 2, 2017
Property Address	811 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2204
Document Number	0068161503
Book / Page	006816 / 001503
Instrument Date	Sep 28, 2017
Instrument	617990
Transaction Type	Transfer
Record Updated	Oct 9, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 MEADOWLARK LN ST CHARLES MO 633013906, ST CHARLES, MO 63301-3906

October 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CHARLES MO
Recording Date	Oct 2, 2017
Property Address	811 CUNNINGHAM AVE, SAINT CHARLES, MO 63301-2204
Document Number	0068161505
Book / Page	006816 / 001505
Instrument Date	Sep 28, 2017
Instrument	618000
Transaction Type	Transfer
Record Updated	Oct 9, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 MEADOWLARK LN ST CHARLES MO 633013906, ST CHARLES, MO 63301-3906

Tax Assessment & Valuation

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		$29,606 (-)	$155,819 (-) Land $40,000 Building $115,819
2025	$1,869.00	$29,606 (+11.02%)	$155,819 (+11.01%) Land $40,000 Building $115,819
2023		$26,668
2022			$140,359 Land $30,000 Building $110,359

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

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 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% 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 450 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon, Wisper ISP.

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