904 Gustane Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 904 Gustane Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,670 sqft · built 1963
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Jan 2024)
Tax Bill	$2,451 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040560A000`

Property Details

APN / Parcel Number

Primary APN	`040560A000`
Alternative APN	`6-014B-4928-00-0034.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,670 sqft Living Area
Gross Area	2,140 sqft
1st Floor Area	1,070 sqft
Basement Area	1,070 sqft
Finished Basement	600 sqft
Unfinished Basement	470 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	242 sqft
Carport	Carport
Carport Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	51 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	040560A000
Street Address	904 GUSTANE DR
City	SAINT CHARLES
State	MO
Zip	63301-2343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	CHARLESTON MANOR #1 LOT 34
Legal Subdivision	CHARLESTON MANOR #1
Legal Lot Number	34
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	4
Census Block	4003
Census Tract	310501

Owner

Source: St. Charles County records, as of September 10, 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	904 GUSTANE DR, SAINT CHARLES, MO 63301-2343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY FIRST NATIONAL BANK
Jun 30, 2022	Deed of Trust, Mortgage · FHA Mortgage JLB CORP
Dec 5, 2018	Special Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP
Feb 12, 2018	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2024 · Amount on Record
Deed Sale	Jan 30, 2024 · Amount on Record
Prior Sale	Dec 5, 2018 · Amount on Record
Deed Document Number	20243566
Prior Transfer Date	Jan 29, 2018
Prior Transfer Doc	0068780582
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 30, 2024
Property Address	904 GUSTANE DR, SAINT CHARLES, MO 63301-2343
Document Number	0000003566
Map Reference	MB 8 PG 22
Instrument Date	Jan 25, 2024
Instrument	2024R-003566
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 GUSTANE DR, SAINT CHARLES, MO 63301-2343

Mortgage

Document Number	0000003567
Date	Jan 30, 2024
Instrument	2024R-003567

Lender

Name	COMMUNITY FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	904 GUSTANE DR, SAINT CHARLES, MO 63301-2343
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 GUSTANE DR, SAINT CHARLES, MO 63301-2343

Mortgage

Document Number	0000036515
Date	Jun 30, 2022
Instrument	2022R-036515

Lender

Name	JLB CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

December 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 5, 2018
Property Address	904 GUSTANE DR, SAINT CHARLES, MO 63301-2343
Document Number	0070101233
Book / Page	7010 / 1233
Map Reference	MB 8 PG 22
Instrument Date	Oct 22, 2018
Instrument	20181205000678550
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2999 WESTMINSTER AVE STE 265, 2999, SEAL BEACH, CA 90740-5379

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 GUSTANE DR, SAINT CHARLES, MO 63301-2343

Mortgage

Document Number	20181205000678560
Date	Dec 5, 2018
Instrument	20181205000678560

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

February 2018: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	ST CHARLES MO
Recording Date	Feb 12, 2018
Property Address	904 GUSTANE DR, SAINT CHARLES, MO 63301-2343
Document Number	0068780582
Book / Page	006878 / 000582
Instrument Date	Jan 29, 2018
Instrument	77380
Transaction Type	Foreclosure
Record Updated	Feb 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	3020 OLD RANCH PKWY #180 SEAL BEACH CA 907402799, 180, SEAL BEACH, CA 90740-2799

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		$38,980 (-)	$205,157 (-) Land $45,000 Building $160,157
2025	$2,451.00	$38,980 (+4.92%)	$205,157 (+4.92%) Land $45,000 Building $160,157
2023		$37,153
2022			$195,542 Land $35,000 Building $160,542

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

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	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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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