1140 Tower Park Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1140 Tower Park Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,649 sqft · built 2023
Lot Size	0.262 acres (11,413 sqft)
Owner	Individual Name on File
Last Sale	$780,395 (Oct 2023)
Tax Bill	$8,763 (2025)
Deeds & Mortgages	Oct 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T231100102`

Property Details

APN / Parcel Number

Primary APN	`T231100102`
Alternative APN	`3-0036-D237-00-174C.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,649 sqft Living Area
Basement Area	2,259 sqft

Exterior

Year Built	Built 2023
Exterior Material	Wood
Lot Area	11,413 sqft (0.262 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	T231100102
Street Address	1140 TOWER PARK DR
City	SAINT CHARLES
State	MO
Zip	63304-5044
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESERVE AT LAKEVIEW FARMS #5 LOT 174C
Legal Subdivision	RESERVE AT LAKEVIEW FARMS #5
Legal Lot Number	174C
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2001
Census Tract	311150

Owner

Source: St. Charles County records · APN T231100102

Assessment roll updated July 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1140 TOWER PARK DR, SAINT CHARLES, MO 63304-5044
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 25, 2023 · Amount on Record
Deed Sale	Oct 25, 2023 · Amount on Record
Deed Document Number	0202344143
Deed Book / Page	2023 / 44143
Record Updated	Jun 08, 2026

October 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 25, 2023
Property Address	1140 TOWER PARK DR, SAINT CHARLES, MO 63304-5044
Document Number	0000044143
Map Reference	DOC 2022R-027715
Instrument Date	Oct 24, 2023
Instrument	2023R-044143
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	695 TRADE CENTER BLVD # BLVD200, BLVD200, CHESTERFIELD, MO 63005-1228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1140 TOWER PARK DR, SAINT CHARLES, MO 63304-5044

Mortgage

Document Number	0000044144
Date	Oct 25, 2023
Instrument	2023R-044144

Lender

Name	MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Nov 01, 2030
Change Frequency	6 Months
Min Rate At Change	5%
Max Rate At Change	7.5%
Margin	2
Max Rate	10.5%

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,763.00	$148,275 (+767.11%)	$780,395 (+767.11%) Land $90,000 Building $690,395
2023		$17,100	$90,000 Land $90,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 357 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.