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907 S 4th St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 907 S 4th St, Saint Charles, MO 63301

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 2,196 sqft · built 1875
Lot Size0.129 acres (5,624 sqft)
OwnerIndividual Name on File
Last Sale$478,500 (Apr 2025)
Tax Bill$3,418 (2025)
Deeds & MortgagesFeb 2024 Mortgage
Aug 2020 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN012440A000

Property Details

APN / Parcel Number

Primary APN012440A000
Alternative APN
  • 6-014A-B136-00-0010.0000000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area2,196 sqft Living Area
Gross Area2,823 sqft
1st Floor Area2,196 sqft
Basement Area627 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1875
Effective Year BuiltEffective 1875
Architectural StyleMulti-Level
Exterior MaterialBrick
Roof TypeGable
Roof MaterialAsphalt
Lot Area5,624 sqft (0.129 acres)
Lot Dimensions148 ft deep x 38 ft wide
Garage TypeDetached
Garage Area240 sqft
Parking Spaces1 Parking Space
PorchPorch

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account Number012440A000
Street Address907 S 4TH ST
CitySAINT CHARLES
StateMO
Zip63301-2403
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAA5
Legal DescriptionPT CITY BLK 136 LOT 2
Legal SubdivisionCITY/ST CHARLES
Legal Block136
Legal Lot Number2
JurisdictionST CHARLES MO
Township / Civil DivisionLINDENWOOD
Census Block Group2
Census Block2042
Census Tract310502

Owner

907 S 4th St is owned and occupied by an individual who bought it in April 2025.

Source: St. Charles County records, as of September 10, 2026

Owner of RecordIndividual Name on File
Mailing Address907 S 4TH ST, SAINT CHARLES, MO 63301-2403
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

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

DateDocument
Feb 22, 2024Warranty Deed, Transfer · Conventional Mortgage
T2 FINANCIAL LLC
Aug 25, 2020Deed of Trust, Mortgage · VA Mortgage
GUILD MORTGAGE CO
Nov 14, 2019Grant Deed, Transfer
NOT AVAILABLE
Nov 14, 2019Warranty Deed, Transfer · VA Mortgage
GUILD MORTGAGE CO
Jul 23, 2018Grant Deed, Transfer
OTHER
May 16, 2018Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 11, 2025 · Amount on File
Deed SaleApr 11, 2025 · Amount on File
Prior SaleFeb 22, 2024 · Amount on File
Deed Document Number202514441
Prior Transfer DateFeb 7, 2024
Prior Transfer Doc0000006780
Record UpdatedOct 29, 2026

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateFeb 22, 2024
Property Address907 S 4TH ST, SAINT CHARLES, MO 63301-2403
Document Number0000006781
Instrument DateFeb 21, 2024
Instrument2024R-006781
Transaction TypeTransfer
Record UpdatedMar 7, 2024
Title CompanyINVESTORS TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address517 WILDWOOD ESTATES LN, SAINT CLAIR, MO 63077-4777

Transferred To (Grantee/Buyer)

NameVerified Name
Address907 S 4TH ST, SAINT CHARLES, MO 63301-2403

Mortgage

Document Number0000006782
DateFeb 22, 2024
Instrument2024R-006782
Lender
NameT2 FINANCIAL LLC
TypeMortgage Company
AddressWESTERVILLE, OH 43082
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2054

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address907 S 4TH ST, SAINT CHARLES, MO 63301-2403
Transaction TypeMortgage
Record UpdatedAug 16, 2022
Title CompanyTITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address907 S 4TH ST, SAINT CHARLES, MO 63301-2403

Mortgage

Document Number0000618910
DateAug 25, 2020
Book Page7380/2477
Instrument20200825000618910
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
AddressSAN DIEGO, CA 92111
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2050

November 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST CHARLES MO
Recording DateNov 14, 2019
Property Address907 S 4TH ST, SAINT CHARLES, MO 63301-2403
Document Number0071820103
Book / Page007182 / 000103
Instrument DateNov 12, 2019
Instrument652790
Transaction TypeTransfer
Record UpdatedDec 5, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address907 S 4TH ST ST CHARLES MO 633012403, ST CHARLES, MO 63301-2403

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateNov 14, 2019
Property Address907 S 4TH ST, SAINT CHARLES, MO 63301-2403
Document Number0000652800
Book / Page7182 / 0105
Instrument DateNov 12, 2019
Instrument20191114000652800
Transaction TypeTransfer
Record UpdatedAug 16, 2022

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address226 BRIDGEVIEW DR, 226, SAN FRANCISCO, CA 94124-2233

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common

Mortgage

Document Number0000652810
DateNov 14, 2019
Instrument20191114000652810
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2049

July 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST CHARLES MO
Recording DateJul 23, 2018
Property Address907 S 4TH ST, SAINT CHARLES, MO 63301-2403
Document Number0069511861
Book / Page006951 / 001861
Instrument DateJun 27, 2018
Instrument413650
Transaction TypeTransfer
Record UpdatedAug 14, 2018
Title CompanyOTHER

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address226 BRIDGEVIEW DR SAN FRANCISCO CA 941242233, SAN FRANCISCO, CA 94124-2233

May 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionST CHARLES MO
Recording DateMay 16, 2018
Property Address907 S 4TH ST, SAINT CHARLES, MO 63301-2403
Document Number0069200175
Book / Page006920 / 000175
Instrument DateMay 15, 2018
Instrument271420
Transaction TypeForeclosure
Record UpdatedJul 10, 2018

Transaction

AmountAmount on Record
Tax$0.00

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipAssociation
Address907 S 4TH ST ST CHARLES MO 633012403, ST CHARLES, MO 63301-2403

Tax Assessment & Valuation

The 2025 property tax bill for 907 S 4th St was $3,418, up 3.5% from the year before.

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictSt. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$54,547 (-)$287,087 (-) Land $50,000 Building $237,087
2025$3,418.00 (+3.48%)$54,547$287,087 Land $50,000 Building $237,087
2024$3,303.00
2023$51,470
2022$270,895 Land $37,500 Building $233,395

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 907 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 15 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims22 (1979–2022)
Most Recent ClaimJul 2022 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, Jul 2022 · 6 claims
  • Severe Storms & Flooding, Aug 1993 · 6 claims

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

The area around 907 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 RiskNot 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 SystemST CHARLES PWS
serves 78,961 people · EPA ID MO6010707
Water SourcePurchased surface water from several systems
Last State InspectionOct 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 345 locations within half a mile, as of December 31, 2025

ProviderMax 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

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