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

St. Charles County property record for 130 Towergate Dr, Lake Saint Louis, MO 63367

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,793 sqft · built 2006
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$209,000 (Apr 2016)
Tax Bill	$3,973 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T062000079`

Property Details

APN / Parcel Number

Primary APN	`T062000079`
Alternative APN	`4-0066-9972-00-0048.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,793 sqft Living Area
Gross Area	3,353 sqft
1st Floor Area	1,793 sqft
Basement Area	1,120 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	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Patio Area	273 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062000079
Street Address	130 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 48
Legal Subdivision	WYNDGATE VLG #1
Legal Lot Number	48
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 December 29, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	130 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Mar 29, 2021	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2016 · Amount on Record
Deed Sale	Apr 5, 2016 · Amount on Record
Prior Sale	Oct 29, 2015 · Amount on Record
Deed Document Number	2016201470
Deed Book / Page	6517 / 584
Prior Transfer Date	May 11, 2012
Prior Transfer Doc	0057780243
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	130 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370
Transaction Type	Mortgage
Record Updated	Jan 6, 2026
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370

Mortgage

Document Number	0000056624
Date	Dec 17, 2025
Instrument	2025R-056624

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	130 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370

Mortgage

Document Number	2021R027178
Date	Mar 29, 2021
Instrument	2021R-027178

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	177 Months
Due	Dec 1, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	130 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4370
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073481590
Date	Jul 20, 2020
Book Page	7348/1590
Instrument	20200720000504920

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2040

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	$3,973.00 (+3.06%)	$59,680 (+6.12%)	$314,108 (+6.12%) Land $59,998 Building $254,110
2024	$3,855.00
2023		$56,238
2022			$295,990 Building $295,990

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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