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

St. Charles County property record for 131 Towergate Dr, Lake Saint Louis, MO 63367

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,156 sqft · built 2006
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$319,900 (Aug 2021)
Tax Bill	$4,426 (2025)
Deeds & Mortgages	Nov 2025 Transfer Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T062000104`

Property Details

APN / Parcel Number

Primary APN	`T062000104`
Alternative APN	`4-0066-9972-00-0073.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,156 sqft Living Area
Gross Area	3,608 sqft
1st Floor Area	2,156 sqft
Basement Area	1,032 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062000104
Street Address	131 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 73
Legal Subdivision	WYNDGATE VLG #1
Legal Lot Number	73
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 September 14, 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
Mailing Address	131 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Intrafamily Transfer, Transfer
Aug 2, 2021	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jul 26, 2019	Warranty Deed, Transfer NAVY FCU
Mar 7, 2019	Warranty Deed, Transfer US TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2021 · Amount on Record
Deed Sale	Aug 2, 2021 · Amount on Record
Prior Sale	Aug 2, 2021 · Amount on Record
Deed Document Number	202164470
Last Transfer Date	Nov 13, 2025
Transfer Doc	0000052899
Record Updated	Oct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 24, 2025
Property Address	131 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Document Number	0000052899
Instrument Date	Nov 13, 2025
Instrument	2025R-052899
Transaction Type	Transfer
Record Updated	Dec 9, 2025

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
Address	131 TOWERGATE DR, LAKE ST LOUIS, MO 63367-4372

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 2, 2021
Property Address	131 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Document Number	2021R064470
Map Reference	MB 42 PG 364
Instrument Date	Jul 27, 2021
Instrument	2021R-064470
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	212 MAPLEWOOD RIDGE CT, 212, SUMMERVILLE, SC 29486-5328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372

Mortgage

Document Number	2021R064471
Date	Aug 2, 2021
Instrument	2021R-064471

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	131 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 TOWEGATE DRIVE, LAKE SAINT LOUIS, MO 63367-4372

Mortgage

Document Number	2021R013661
Date	Feb 16, 2021
Instrument	2021R-013661

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Mar 1, 2024
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	4.87%
Index	5-Year CMT
Margin	2
Max Rate	7.87%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 26, 2019
Property Address	131 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Document Number	0071121363
Book / Page	007112 / 001363
Instrument Date	Jul 19, 2019
Instrument	386790
Transaction Type	Transfer
Record Updated	Aug 22, 2019
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
Address	131 TOWERGATE DR O FALLON MO 633674372, O FALLON, MO 63367-4372

Mortgage

Document Number	71121365
Date	Jul 26, 2019
Book Page	007112/001365
Instrument	386800

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 7, 2019
Property Address	131 TOWERGATE DR, LAKE SAINT LOUIS, MO 63367-4372
Document Number	0070440001
Book / Page	007044 / 000001
Instrument Date	Mar 6, 2019
Instrument	101800
Transaction Type	Transfer
Record Updated	Apr 2, 2019
Title Company	US TITLE

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	Joint Tenants with Right of Survivorship
Address	4264 HORSESHOE CREEK DR ST CHARLES MO 633042318, ST CHARLES, MO 63304-2318

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		$66,555 (-)	$350,290 (-) Land $59,998 Building $290,292
2025	$4,426.00 (+4.93%)	$66,555 (+8.04%)	$350,290 (+8.04%) Land $59,998 Building $290,292
2024	$4,218.00
2023		$61,601
2022			$324,216 Land $41,248 Building $282,968

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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