13 Windcastle Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 13 Windcastle Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 5,785 sqft · built 1999
Lot Size	0.6 acres (26,136 sqft)
Owner	Company Name on Record
Last Sale	$700,000 (Nov 2017)
Deeds & Mortgages	Oct 2023 Transfer Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A973001337`

Property Details

APN / Parcel Number

Primary APN	`A973001337`
Alternative APN	`3-0132-7619-00-0013.0000000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	5,785 sqft Living Area
Gross Area	7,400 sqft
1st Floor Area	3,685 sqft
Basement Area	2,625 sqft
Finished Basement	2,100 sqft
Unfinished Basement	525 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Attached
Garage Area	1,090 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	28 sqft

Location & Zoning

Account Number	A973001337
Street Address	13 WINDCASTLE DR
City	SAINT CHARLES
State	MO
Zip	63304-0446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDCASTLE #1 LOT 13
Legal Subdivision	WIND CASTLE #1
Legal Lot Number	13
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311132

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	13 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2023	Intrafamily Transfer, Transfer
Sep 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage CNB ST LOUIS BANK
Feb 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATL BANK OF GREATER ST LOUIS
Jun 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATL BANK OF GREATER ST LOUIS
Nov 14, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2017 · Amount on Record
Deed Sale	Nov 14, 2017 · Amount on Record
Prior Sale	May 9, 2011 · Amount on Record
Deed Document Number	2017710840
Deed Book / Page	6838 / 1470
Last Transfer Date	Oct 23, 2023
Transfer Doc	0000043686
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Oct 23, 2023
Property Address	13 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	0000043686
Map Reference	MB 33 PG 331
Instrument Date	Oct 23, 2023
Instrument	2023R-043686
Transaction Type	Transfer
Record Updated	Nov 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	13 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	13 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446

Mortgage

Document Number	2021R074416
Date	Sep 3, 2021
Instrument	2021R-074416

Lender

Name	CNB ST LOUIS BANK
Type	Bank
Address	SAINT LOUIS, MO 63143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	13 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072310791
Date	Feb 14, 2020
Book Page	7231/0791
Instrument	20200214000092190

Lender

Name	CITIZENS NATL BANK OF GREATER ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	13 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070862005
Date	Jun 10, 2019
Book Page	7086/2005
Instrument	20190610000281470

Lender

Name	CITIZENS NATL BANK OF GREATER ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2034

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 14, 2017
Property Address	13 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	0068381470
Book / Page	006838 / 001470
Instrument Date	Nov 8, 2017
Instrument	710840
Transaction Type	Transfer
Record Updated	Dec 12, 2017

Transaction

Amount	Amount Recorded
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	13 WINDCASTLE DR ST CHARLES MO 633040446, ST CHARLES, MO 63304-0446

Tax Assessment & Valuation

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

Year	Assessed Value	Assessed Market Value
2026	$196,711 (+9.65%)	$1,035,322 (+9.65%) Land $150,000 Building $885,322
2023	$179,394
2022		$944,183 Land $150,000 Building $794,183

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 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	26 (1979–2019)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jan 2016 · 5 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 3 claims Severe Storms & Flooding, Sep 1993 · 9 claims

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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
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, 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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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