St. Charles County property record for 106 Towergate Dr, Lake Saint Louis, MO 63367
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,658 sqft · built 2007 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Jan 2025) |
| Tax Bill | $3,451 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2024 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T062000091 |
| Primary APN | T062000091 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,658 sqft Living Area |
| Gross Area | 2,934 sqft |
| 1st Floor Area | 1,273 sqft |
| Basement Area | 1,261 sqft |
| Finished Basement | 385 sqft |
| Unfinished Basement | 876 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | Deck Area |
| Patio Area | 108 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T062000091 |
|---|---|
| Street Address | 106 TOWERGATE DR |
| City | LAKE SAINT LOUIS |
| State | MO |
| Zip | 63367-4370 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WYNDGATE VLG B #1 LOT 60 |
| Legal Subdivision | WYNDGATE VLG #1 |
| Legal Lot Number | 60 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 312209 |
Source: St. Charles County records, as of September 10, 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 Record |
|---|---|
| Mailing Address | 106 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE COMPANY |
| Jun 26, 2024 | Warranty Deed, Transfer |
| Sep 8, 2023 | Deed of Distribution, Transfer |
| Jan 30, 2017 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Aug 30, 2019 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2025 · Amount on Record |
| Deed Sale | Jan 30, 2025 · Amount on Record |
| Prior Sale | Jun 26, 2024 · Amount on Record |
| Deed Document Number | 20253806 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 20, 2026 |
| Property Address | 106 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370 |
| Document Number | 0000018002 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 202618002 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 106 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370 |
| Document Number | 0000018002, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 202618002 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 26, 2024 |
| Property Address | 106 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370 |
| Document Number | 0000024923 |
| Map Reference | MB 42 PG 364 |
| Instrument Date | Jun 20, 2024 |
| Instrument | 2024R-024923 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 8, 2023 |
| Property Address | 106 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370 |
| Document Number | 0000036928 |
| Map Reference | MB 42 PG 364 |
| Instrument Date | Jul 11, 2023 |
| Instrument | 2023R-036928 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 106 TOWERGATE DR, O FALLON, MO 63367-4370 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 106 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0066920565 |
|---|---|
| Date | Jan 30, 2017 |
| Book Page | 6692/0565 |
| Instrument | 20170130000061530 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 272 Months |
| Due | Sep 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 106 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0071340126 |
|---|---|
| Date | Aug 30, 2019 |
| Book Page | 7134/0126 |
| Instrument | 20190830000468420 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2044 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Wentzville R-IV School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $51,758 (-) | $272,410 (-) Building $272,410 | |
| 2025 | $3,451.00 (+3.98%) | $51,758 (+7.08%) | $272,410 (+7.08%) Building $272,410 |
| 2024 | $3,319.00 | ||
| 2023 | $48,335 | ||
| 2022 | $254,397 Land $41,248 Building $213,149 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% 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 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 |
| 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 300 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 |
| Brightspeed Fiber | 940 / 940 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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