St. Charles County property record for 108 Towergate Dr, Lake Saint Louis, MO 63367
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,064 sqft · built 2010 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $319,900 (Jun 2019) |
| Tax Bill | $5,222 (2025) |
| Deeds & Mortgages | Jun 2019 Sale & Mortgage Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T062000090 |
| Primary APN | T062000090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,064 sqft Living Area |
| Gross Area | 4,192 sqft |
| 1st Floor Area | 1,328 sqft |
| Basement Area | 1,232 sqft |
| Finished Basement | 504 sqft |
| Unfinished Basement | 728 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Patio Area | 286 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T062000090 |
|---|---|
| Street Address | 108 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 59 |
| Legal Subdivision | WYNDGATE VLG #1 |
| Legal Lot Number | 59 |
| 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 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 Record |
|---|---|
| Mailing Address | 108 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 10, 2019 | Warranty Deed, Transfer BANK OF AMERICA |
| Jun 5, 2017 | Warranty Deed, Transfer · FHA Mortgage MIDWEST EQUITY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2019 · Amount on Record |
| Deed Sale | Jun 10, 2019 · Amount on Record |
| Prior Sale | Jun 5, 2017 · Amount on Record |
| Deed Document Number | 2019280970 |
| Deed Book / Page | 7086 / 1660 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 10, 2019 |
| Property Address | 108 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370 |
| Document Number | 0070861660 |
| Book / Page | 007086 / 001660 |
| Instrument Date | Jun 7, 2019 |
| Instrument | 280970 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2019 |
| Title Company | SYNERGY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 108 TOWERGATE DR LAKE ST LOUIS MO 633674370, LAKE ST LOUIS, MO 63367-4370 |
| Document Number | 70861662 |
|---|---|
| Date | Jun 10, 2019 |
| Book Page | 007086/001662 |
| Instrument | 280980 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 9, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 5, 2017 |
| Property Address | 108 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370 |
| Document Number | 0067540087 |
| Book / Page | 6754 / 0087 |
| Map Reference | MB 42 PG 364 |
| Instrument Date | May 30, 2017 |
| Instrument | 20170605000340850 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CONTINENTAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 42481 REGAL WOOD DR, 42481, BRAMBLETON, VA 20148-5641 |
| Name | Verified Name |
|---|---|
| Address | 108 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370 |
| Document Number | 20170605000340860 |
|---|---|
| Date | Jun 5, 2017 |
| Instrument | 20170605000340860 |
| Name | MIDWEST EQUITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2047 |
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 | $78,642 (-) | $413,904 (-) Land $59,998 Building $353,906 | |
| 2025 | $5,222.00 | $78,642 (+6.99%) | $413,904 (+6.99%) Land $59,998 Building $353,906 |
| 2023 | $73,502 | ||
| 2022 | $386,850 Land $41,248 Building $345,602 |
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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