11 Windcastle Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 11 Windcastle Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 6,654 sqft · built 2002
Lot Size	0.6 acres (26,136 sqft)
Owner	Company Name on Record
Last Sale	$1,119,200 (Feb 2021)
Tax Bill	$14,630 (2025)
Deeds & Mortgages	Nov 2022 Transfer Nov 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A973001335`

Property Details

APN / Parcel Number

Primary APN	`A973001335`
Alternative APN	`3-0132-7619-00-0011.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	6,654 sqft Living Area
Gross Area	8,393 sqft
1st Floor Area	3,806 sqft
Basement Area	3,798 sqft
Finished Basement	2,848 sqft
Unfinished Basement	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Attached
Garage Area	789 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Patio Area	330 sqft

Location & Zoning

Account Number	A973001335
Street Address	11 WINDCASTLE DR
City	SAINT CHARLES
State	MO
Zip	63304-0446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDCASTLE #1 LOT 11
Legal Subdivision	WIND CASTLE #1
Legal Lot Number	11
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311132

Owner

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	Company Name on Record
Mailing Address	11 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Intrafamily Transfer, Transfer
Nov 1, 2022	Intrafamily Transfer, Transfer
Feb 3, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2021 · Amount on Record
Deed Sale	Feb 3, 2021 · Amount on Record
Prior Sale	Sep 23, 2002 · Amount on Record
Deed Document Number	202110695
Last Transfer Date	Oct 31, 2022
Transfer Doc	0000059432
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 1, 2022
Property Address	11 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	0000059432
Map Reference	MB 33 PG 331
Instrument Date	Oct 31, 2022
Instrument	2022R-059432
Transaction Type	Transfer
Record Updated	Nov 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 WINDCASTLE DR, 11, SAINT CHARLES, MO 63304-0446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 1, 2022
Property Address	11 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	0000059504
Map Reference	MB 33 PG 331
Instrument Date	Oct 31, 2022
Instrument	2022R-059504
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 WINDCASTLE DR, 11, SAINT CHARLES, MO 63304-0446

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	11 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 3, 2021
Property Address	11 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	0000010695
Map Reference	MB 33 PG 331
Instrument Date	Feb 2, 2021
Instrument	2021R-010695
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	ATG

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 WINDCASTLE DR, 11, SAINT CHARLES, MO 63304-0446

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446

Mortgage

Document Number	0000010696
Date	Feb 3, 2021
Instrument	2021R-010696

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$247,853 (-)	$1,304,491 (-) Land $150,000 Building $1,154,491
2025	$14,630.00	$247,853 (+10.13%)	$1,304,491 (+10.13%) Land $150,000 Building $1,154,491
2023		$225,064
2022			$1,184,547 Land $150,000 Building $1,034,547

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 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	26 (1979–2019)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jan 2016 · 5 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 3 claims Severe Storms & Flooding, Sep 1993 · 9 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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