St. Charles County property record for 10 Graystone Cir, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,079 sqft · built 1993 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $252,000 (May 2014) |
| Tax Bill | $3,542 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A943000480 |
| Primary APN | A943000480 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,079 sqft Living Area |
| 1st Floor Area | 1,149 sqft |
| Basement Area | 1,125 sqft |
| Finished Basement | 843 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Composition/Composite |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 100 sqft |
| Patio Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | A943000480 |
|---|---|
| Old Parcel Number | A943000480 |
| Street Address | 10 GRAYSTONE CIR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-4639 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRAYSTONE MEADOWS LOT 10 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | GRAYSTONE MEADOWS |
| Legal Lot Number | 10 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 310902 |
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 10 GRAYSTONE CIR, SAINT CHARLES, MO 63303-4639 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 30, 2014 · Amount on Record |
| Deed Sale | May 30, 2014 · Amount on Record |
| Prior Sale | Aug 14, 1998 |
| Deed Document Number | 0061931580 |
| Deed Book / Page | 6193 / 1580 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 10 GRAYSTONE CIR, SAINT CHARLES, MO 63303-4639 |
| Document Number | 0000007310 |
| Instrument Date | Jan 19, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2021 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10 GRAYSTONE CIR ST CHARLES MO 633034639, ST CHARLES, MO 63303-4639 |
| Document Number | 0000007310 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 7310 |
| Name | F&B ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63131 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Jan 25, 2041 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,542.00 | $61,478 (+13.74%) | $323,567 (+13.74%) Land $50,000 Building $273,567 |
| 2023 | $54,050 | ||
| 2022 | $284,476 Land $50,000 Building $234,476 |
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.
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 AE, 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 | 11 (1979–2022) |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 616 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 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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