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

St. Charles County property record for 124 Towergate Dr, Lake Saint Louis, MO 63367

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,088 sqft · built 2006
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on Record
Last Sale	$320,000 (May 2025)
Tax Bill	$3,152 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T062000082`

Property Details

APN / Parcel Number

Primary APN	`T062000082`
Alternative APN	`4-0066-9972-00-0051.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,088 sqft Living Area
Gross Area	2,676 sqft
1st Floor Area	1,144 sqft
Basement Area	1,132 sqft
Finished Basement	944 sqft
Unfinished Basement	188 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062000082
Street Address	124 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 51
Legal Subdivision	WYNDGATE VLG #1
Legal Lot Number	51
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1018
Census Tract	312209

Owner

Source: St. Charles County records, as of September 10, 2026

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

Owner of Record	Company Name on Record
Mailing Address	124 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 31, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 11, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 21, 2018	Warranty Deed, Transfer · Conventional Mortgage CSTONE MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2025 · Amount on Record
Deed Sale	May 27, 2025 · Amount on Record
Prior Sale	Sep 21, 2018 · Amount on Record
Deed Document Number	202521798
Prior Transfer Date	Jan 5, 2010
Prior Transfer Doc	0000015310
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	124 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370

Mortgage

Document Number	2021R064329
Date	Aug 2, 2021
Instrument	2021R-064329

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	May 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	124 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	0069702424
Date	Aug 31, 2018
Book Page	6970/2424
Instrument	20180831000500950

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	444 Months
Due	Aug 18, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 11, 2019
Property Address	124 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370
Document Number	0070241609
Book / Page	007024 / 001609
Instrument Date	Dec 20, 2018
Instrument	17030
Transaction Type	Transfer
Record Updated	Feb 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 TOWERGATE DR LAKE ST LOUIS MO 633674370, LAKE ST LOUIS, MO 63367-4370

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 21, 2018
Property Address	124 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370
Document Number	0069801413
Book / Page	6980 / 1413
Map Reference	MB 42 PG 364
Instrument Date	Sep 20, 2018
Instrument	20180921000544090
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5989 MERGENTHAL CT, WELDON SPRING, MO 63304-9129

Mortgage

Document Number	20180921000544100
Date	Sep 21, 2018
Instrument	20180921000544100

Lender

Name	CSTONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

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

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
2026		$47,215 (-)	$248,502 (-) Building $248,502
2025	$3,152.00	$47,215 (+7.24%)	$248,502 (+7.24%)
2023		$44,027
2022			$231,723 Land $41,248 Building $190,475

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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