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

St. Charles County property record for 129 Towergate Dr, Lake Saint Louis, MO 63367

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,560 sqft · built 2008
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Sep 2017)
Tax Bill	$4,972 (2025)
Deeds & Mortgages	May 2022 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T062000103`

Property Details

APN / Parcel Number

Primary APN	`T062000103`
Alternative APN	`4-0066-9972-00-0072.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,560 sqft Living Area
1st Floor Area	1,328 sqft
Basement Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Architectural Style	Other
Exterior Material	Composition/Composite
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	53 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T062000103
Old Parcel Number	T062000103
Street Address	129 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 72
Legal Range	02E
Legal Township	46N
Legal Subdivision	WYNDGATE VLG #1
Legal Lot Number	72
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 March 16, 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 Record
Co-owner	Co-owner on Record
Mailing Address	129 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Sep 12, 2017	Warranty Deed, Transfer · Conventional Mortgage IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2017 · Amount on Record
Deed Sale	Sep 12, 2017 · Amount on Record
Prior Sale	Aug 1, 2008 · Amount on Record
Deed Document Number	0068052033
Deed Book / Page	6805 / 2033
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	129 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Transaction Type	Mortgage
Record Updated	Jun 6, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 TOWERGATE DR, LAKE ST LOUIS, MO 63367-4372

Mortgage

Document Number	0000028912
Date	May 23, 2022
Instrument	2022R-028912

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	129 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Transaction Type	Mortgage
Record Updated	Nov 3, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372

Mortgage

Document Number	2021R088212
Date	Oct 25, 2021
Instrument	2021R-088212

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 12, 2017
Property Address	129 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Document Number	0068052033
Book / Page	6805 / 2033
Map Reference	MB 42 PG 364
Instrument Date	Sep 5, 2017
Instrument	20170912000572720
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE CORPORATION AND AGE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1207 S MEADOWVIEW AVE, 1207, SPRINGFIELD, MO 65804-0554

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	129 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372

Mortgage

Document Number	20170912000572730
Date	Sep 12, 2017
Instrument	20170912000572730

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 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	$4,972.00	$74,854 (+7.74%)	$393,970 (+7.74%) Land $59,998 Building $333,972
2023		$69,476
2022			$365,664 Land $41,248 Building $324,416

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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