1012 Windward Psge, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1012 Windward Psge, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,352 sqft · built 2011
Lot Size	0.239 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Jul 2018)
Tax Bill	$5,947 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T070800607`

Property Details

APN / Parcel Number

Primary APN	`T070800607`
Alternative APN	`3-0162-A210-00-052A.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,352 sqft Living Area
Basement Area	1,526 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 2011
Architectural Style	Split Level
Exterior Material	Brick/Stone
Lot Area	10,454 sqft (0.239 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	28 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T070800607
Old Parcel Number	T070800607
Street Address	1012 WINDWARD PSGE
City	SAINT CHARLES
State	MO
Zip	63303-4806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TALBRIDGE VLGS A-C LOT 52A
Legal Range	03E
Legal Township	46N
Legal Subdivision	TALBRIDGE VLGS A-C
Legal Lot Number	52A
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	3
Census Block	3010
Census Tract	311004

Owner

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 Individual Names on Record
Mailing Address	1012 WINDWARD PSGE, SAINT CHARLES, MO 63303-4806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2023	Deed of Trust, Mortgage NEIGHBORS CU
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jul 17, 2018	Warranty Deed, Transfer US TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2018 · Amount on Record
Deed Sale	Jul 17, 2018 · Amount on Record
Prior Sale	Mar 3, 2011 · Amount on Record
Deed Document Number	0006949218
Deed Book / Page	6949 / 218
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1012 WINDWARD PSGE, SAINT CHARLES, MO 63303-4806
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 WINDWARD PSGE, SAINT CHARLES, MO 63303-4806

Mortgage

Document Number	0000037871
Date	Sep 15, 2023
Instrument	2023R-037871

Lender

Name	NEIGHBORS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63123

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2043

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1012 WINDWARD PSGE, SAINT CHARLES, MO 63303-4806
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 WINDWARD PSGE, SAINT CHARLES, MO 63303-4806

Mortgage

Document Number	0000060264
Date	Jul 19, 2021
Instrument	2021R-060264

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 17, 2018
Property Address	1012 WINDWARD PSGE, SAINT CHARLES, MO 63303-4806
Document Number	0069490218
Book / Page	006949 / 000218
Instrument Date	Jul 13, 2018
Instrument	401890
Transaction Type	Transfer
Record Updated	Aug 9, 2018
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1012 WINDWARD PSGE ST CHARLES MO 633034806, ST CHARLES, MO 63303-4806

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,947.00 (+8.17%)	$103,586 (+4.58%)	$545,191 (+4.58%) Land $90,000 Building $455,191
2023		$99,046 (+14.36%)
2022	$5,498.00	$86,608	$521,296 (+14.36%) Land $65,000 Building $456,296
2021			$455,833

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	1 in force
Nearby Flood Claims	49 (1979–1995)
Claims Outside the SFHA	4 of 49
Most Recent Claim	Jun 1995 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Hail, Flooding, Jun 1995 · 2 claims Severe Storms & Flooding, Sep 1993 · 18 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

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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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