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

St. Charles County property record for 123 Towergate Dr, Lake Saint Louis, MO 63367

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,590 sqft · built 2007
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Oct 2019)
Tax Bill	$5,727 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Nov 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T062000100`

Property Details

APN / Parcel Number

Primary APN	`T062000100`
Alternative APN	`4-0066-9972-00-0069.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,590 sqft Living Area
Gross Area	4,222 sqft
1st Floor Area	1,358 sqft
Basement Area	1,232 sqft
Finished Basement	1,000 sqft
Unfinished Basement	232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	53 sqft
Patio Area	366 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062000100
Street Address	123 TOWERGATE DR
City	LAKE SAINT LOUIS
State	MO
Zip	63367-4372
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WYNDGATE VLG B #1 LOT 69
Legal Subdivision	WYNDGATE VLG #1
Legal Lot Number	69
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1019
Census Tract	312209

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	123 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2019	Grant Deed, Transfer STIFEL BK&TR
Nov 22, 2017	Deed of Trust, Mortgage MORTGAGE SOLUTIONS/ST LOUIS
Jan 23, 2017	Quit Claim Deed, Transfer Quitclaim
Jan 18, 2017	Warranty Deed, Transfer MORTGAGE SOLUTIONS/ST LOUIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2019 · Amount on Record
Deed Sale	Oct 17, 2019 · Amount on Record
Prior Sale	Jan 18, 2017
Deed Document Number	2019583140
Deed Book / Page	7163 / 2118
Prior Transfer Date	Jan 12, 2017
Prior Transfer Doc	0066882499
Record Updated	Jun 8, 2026

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 17, 2019
Property Address	123 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Document Number	0071632118
Book / Page	007163 / 002118
Instrument Date	Oct 10, 2019
Instrument	583140
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	STATE LOUIS COMPANY TITLE (SLCTC), STL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 TOWERGATE DR LAKE ST LOUIS MO 633674372, LAKE ST LOUIS, MO 63367-4372

Mortgage

Document Number	71632120
Date	Oct 17, 2019
Book Page	007163/002120
Instrument	583150

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2049

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	123 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Document Number	0068450391
Book / Page	006845 / 000391
Instrument Date	Nov 22, 2017
Transaction Type	Mortgage
Record Updated	Dec 5, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	123 TOWERGATE DR LAKE ST LOUIS MO 633674372, LAKE ST LOUIS, MO 63367-4372

Mortgage

Document Number	0068450391
Date	Nov 29, 2017
Book Page	006845/000391
Instrument	737770

Lender

Name	MORTGAGE SOLUTIONS/ST LOUIS
Type	Mortgage Company
Address	SAINT LOUIS, MO 63119

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2047

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 23, 2017
Property Address	123 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Document Number	0066882499
Book / Page	006688 / 002499
Instrument Date	Jan 12, 2017
Instrument	45480
Transaction Type	Transfer
Record Updated	Jan 30, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	123 TOWERGATE DR O FALLON MO 633674372, O FALLON, MO 63367-4372

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 18, 2017
Property Address	123 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Document Number	0066861506
Book / Page	006686 / 001506
Instrument Date	Jan 12, 2017
Instrument	33800
Transaction Type	Transfer
Record Updated	Feb 20, 2017
Title Company	US TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	123 TOWERGATE DR LAKE ST LOUIS MO 633674372, LAKE ST LOUIS, MO 63367-4372

Mortgage

Document Number	66861508
Date	Jan 18, 2017
Book Page	006686/001508
Instrument	33810

Lender

Name	MORTGAGE SOLUTIONS/ST LOUIS
Type	Mortgage Company
Address	SAINT LOUIS, MO 63119

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2047

Tax Assessment & Valuation

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	$5,727.00 (+9.15%)	$86,317 (+12.43%)	$454,298 (+12.43%) Land $59,998 Building $394,300
2024	$5,247.00
2023		$76,777
2022			$404,088 Land $41,248 Building $362,840

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 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

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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