120 Towergate Dr, Lake Saint Louis, MO 63367 Property Records

St. Charles County property record for 120 Towergate Dr, Lake Saint Louis, MO 63367

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,014 sqft · built 2009
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$259,400 (Mar 2020)
Tax Bill	$4,132 (2025)
Deeds & Mortgages	Mar 2017 Mortgage May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T062000084`

Property Details

APN / Parcel Number

Primary APN	`T062000084`
Alternative APN	`4-0066-9972-00-0053.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,014 sqft Living Area
Gross Area	3,352 sqft
1st Floor Area	1,204 sqft
Basement Area	918 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	78 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062000084
Street Address	120 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 53
Legal Subdivision	WYNDGATE VLG #1
Legal Lot Number	53
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1018
Census Tract	312209

Owner

120 Towergate Dr is owned and occupied by an individual who bought it in March 2020.

Source: St. Charles County records, as of August 13, 2025

Owner of Record	Individual Name on File
Mailing Address	120 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2017	Deed of Trust, Mortgage · FHA Mortgage PARAMOUNT BOND & MORTGAGE CO INC
May 24, 2017	Deed of Trust, Mortgage · FHA Mortgage PARAMOUNT BOND & MORTGAGE CO INC
Mar 2, 2020	Quit Claim Deed, Transfer CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2020 · Amount on File
Deed Sale	Mar 2, 2020 · Amount on File
Prior Sale	Jul 29, 2009 · Amount on File
Deed Document Number	2020124330
Deed Book / Page	7239 / 1267
Prior Transfer Date	Feb 24, 2020
Prior Transfer Doc	0072391267
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	120 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067202032
Date	Mar 31, 2017
Book Page	6720/2032
Instrument	20170331000193320

Lender

Name	PARAMOUNT BOND & MORTGAGE CO INC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	120 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067481862
Date	May 24, 2017
Book Page	6748/1862
Instrument	20170524000319280

Lender

Name	PARAMOUNT BOND & MORTGAGE CO INC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2047

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 2, 2020
Property Address	120 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370
Document Number	0072391267
Book / Page	007239 / 001267
Instrument Date	Feb 24, 2020
Instrument	124330
Transaction Type	Transfer
Record Updated	Mar 24, 2020
Title Company	CTC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 TOWERGATE DR LAKE ST LOUIS MO 633674370, LAKE ST LOUIS, MO 63367-4370

Mortgage

Document Number	72391269
Date	Mar 2, 2020
Book Page	007239/001269
Instrument	124340

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 120 Towergate Dr was $4,132, up 4.9% from the year before.

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,132.00 (+4.9%)	$62,091	$326,795 Land $59,998 Building $266,797
2024	$3,939.00
2023		$57,479
2022			$302,522 Land $41,248 Building $261,274

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

FEMA maps place 120 Towergate Dr in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 120 Towergate Dr is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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 436 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
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Brightspeed.

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