948 Saint Charles Ave, Saint Charles, MO 63301 Property Records

St. Charles County property record for 948 Saint Charles Ave, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1950
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Nov 2025)
Tax Bill	$2,139 (2025)
Deeds & Mortgages	Jun 2021 Second Mortgage Nov 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`102320A000`

Property Details

APN / Parcel Number

Primary APN	`102320A000`
Alternative APN	`6-009C-4161-03-0031.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	2,240 sqft
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	180 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	345 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	102320A000
Street Address	948 SAINT CHARLES AVE
City	SAINT CHARLES
State	MO
Zip	63301-2219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WILMES TRENDLEY SUB PT LOT 12
Legal Subdivision	WILMES & TRENDLEY
Legal Lot Number	12
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 September 11, 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	948 SAINT CHARLES AVE, SAINT CHARLES, MO 63301-2219
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GERSHMAN INVESTMENT CORP
Nov 13, 2025	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jun 4, 2021	Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP
Jan 5, 2021	Correction Deed, Transfer NOT AVAILABLE
Jan 5, 2021	Warranty Deed, Transfer · Line of Credit BDS 44 LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2025 · Amount on Record
Deed Sale	Nov 13, 2025 · Amount on Record
Prior Sale	Jun 4, 2021 · Amount on Record
Deed Document Number	202550979
Prior Transfer Date	Aug 24, 1998
Prior Transfer Doc	0000082480
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	948 SAINT CHARLES AVE, SAINT CHARLES, MO 63301-2219
Transaction Type	Mortgage
Record Updated	Dec 1, 2025
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	948 SAINT CHARLES AVE, SAINT CHARLES, MO 63301-2219

Mortgage

Document Number	0000047924
Date	Jun 4, 2021
Instrument	2021R-047924

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 13, 2025
Property Address	948 SAINT CHARLES AVE, SAINT CHARLES, MO 63301-2219
Document Number	0000050979
Instrument Date	Nov 7, 2025
Instrument	2025R-050979
Transaction Type	Transfer
Record Updated	Dec 1, 2025
Title Company	UNKNOWN, ETC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1019 PORT ST, NEW ORLEANS, LA 70117-7209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	948 SAINT CHARLES AVE, SAINT CHARLES, MO 63301-2219

Mortgage

Document Number	0000050980
Date	Nov 13, 2025
Instrument	2025R-050980

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 4, 2021
Property Address	948 SAINT CHARLES AVE, SAINT CHARLES, MO 63301-2219
Document Number	2021R047922
Map Reference	MB 3 PG 37
Instrument Date	May 28, 2021
Instrument	2021R-047922
Transaction Type	Transfer
Record Updated	Jun 17, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 PROVENCE DR, 21, LAKE SAINT LOUIS, MO 63367-1731

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	948 SAINT CHARLES AVE, SAINT CHARLES, MO 63301-2219

Mortgage

Document Number	2021R047923
Date	Jun 4, 2021
Instrument	2021R-047923

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Mortgage

Document Number	2021R047924
Date	Jun 4, 2021
Instrument	2021R-047924

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

January 2021: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 5, 2021
Property Address	948 SAINT CHARLES AVE, SAINT CHARLES, MO 63301-2219
Document Number	0000000916
Instrument Date	Jan 5, 2021
Instrument	916
Transaction Type	Transfer
Record Updated	Mar 22, 2021
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1008 INDIAN HILLS DR ST CHARLES MO 633010622, ST CHARLES, MO 63301-0622

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 5, 2021
Property Address	948 SAINT CHARLES AVE, SAINT CHARLES, MO 63301-2219
Document Number	0000000918
Instrument Date	Dec 30, 2020
Instrument	918
Transaction Type	Transfer
Record Updated	Mar 25, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	21 PROVENCE DR LAKE ST LOUIS MO 633671731, LAKE ST LOUIS, MO 63367-1731

Mortgage

Document Number	919
Date	Jan 5, 2021
Instrument	919

Lender

Name	BDS 44 LLC
Address	ST CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$33,951 (-)	$178,689 (-) Land $40,000 Building $138,689
2025	$2,139.00	$33,951 (+9.65%)	$178,689 (+9.65%) Land $40,000 Building $138,689
2023		$30,962
2022			$162,962 Land $30,000 Building $132,962

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	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 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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