10 Normandy Dr, Lake Saint Louis, MO 63367 Property Records

St. Charles County property record for 10 Normandy Dr, Lake Saint Louis, MO 63367

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,672 sqft · built 1974
Lot Size	0.301 acres (13,125 sqft)
Owner	2 Individual Names on File
Last Sale	$107,000 (Jun 1997)
Tax Bill	$3,785 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`686490A000`

Property Details

APN / Parcel Number

Primary APN	`686490A000`
Alternative APN	`4-0056-4311-00-0018.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,672 sqft Living Area
Gross Area	3,996 sqft
1st Floor Area	1,672 sqft
Basement Area	1,672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,125 sqft (0.301 acres)
Lot Dimensions	125 ft deep x 105 ft wide
Garage Type	Attached
Garage Area	652 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	268 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	686490A000
Street Address	10 NORMANDY DR
City	LAKE SAINT LOUIS
State	MO
Zip	63367-1615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LSL #2 LOT 18
Legal Subdivision	LSL #2 RESUB #105 & #113
Legal Lot Number	18
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	2
Census Block	2010
Census Tract	311903

Owner

10 Normandy Dr is owned and occupied by two individuals who bought it in June 1997.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	10 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1615
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Apr 24, 2023	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 1997 · Amount on File
Deed Sale	Jun 6, 1997 · Amount on File
Deed Document Number	199730625
Deed Book / Page	1946 / 400
Prior Transfer Date	Apr 11, 1997
Prior Transfer Doc	0000030624
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	May 5, 2026
Property Address	10 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1615
Document Number	0000020967
Instrument Date	Apr 29, 2026
Instrument	202620967
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1615

Mortgage

Document Number	0000020967,
Date	May 5, 2026
Instrument	202620967

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1615
Transaction Type	Mortgage
Record Updated	May 8, 2023
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1615

Mortgage

Document Number	0000015314
Date	Apr 24, 2023
Instrument	2023R-015314

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Lake St. Louis City
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$53,855 (-)	$283,453 (-) Land $65,291 Building $218,162
2025	$3,785.00 (+10.19%)	$53,855 (+8.09%)	$283,453 (+8.09%) Land $65,291 Building $218,162
2024	$3,435.00
2023		$49,824
2022			$262,236 Land $47,117 Building $215,119

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 10 Normandy Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	1 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

Wildfire risk around 10 Normandy Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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 COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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