14 Normandy Dr, Lake Saint Louis, MO 63367 Property Records

St. Charles County property record for 14 Normandy Dr, Lake Saint Louis, MO 63367

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,922 sqft · built 1971
Lot Size	0.301 acres (13,125 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Apr 2018)
Tax Bill	$3,978 (2024)
Deeds & Mortgages	Jul 2018 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`686550A000`

Property Details

APN / Parcel Number

Primary APN	`686550A000`
Alternative APN	`4-0056-4311-00-0020.0000000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,922 sqft Living Area
Gross Area	3,958 sqft
1st Floor Area	1,215 sqft
Basement Area	1,107 sqft
Finished Basement	600 sqft
Unfinished Basement	507 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Mansard
Roof Material	Built-Up Asphalt
Lot Area	13,125 sqft (0.301 acres)
Lot Dimensions	125 ft deep x 105 ft wide
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	686550A000
Street Address	14 NORMANDY DR
City	LAKE SAINT LOUIS
State	MO
Zip	63367-1615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LSL #2 LOT 20
Legal Subdivision	LSL #2 RESUB #105 & #113
Legal Lot Number	20
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	2
Census Block	2010
Census Tract	311903

Owner

14 Normandy Dr is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	14 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1615
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2018	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Apr 25, 2018	Warranty Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2018 · Amount on File
Deed Sale	Apr 25, 2018 · Amount on File
Prior Sale	Dec 16, 2013 · Amount on File
Deed Document Number	2018224910
Deed Book / Page	6909 / 1799
Prior Transfer Date	Sep 6, 2016
Prior Transfer Doc	0066171274
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	14 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1615
Document Number	0069572060
Instrument Date	Jul 26, 2018
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14 NORMANDY DR LAKE ST LOUIS MO 633671615, LAKE ST LOUIS, MO 63367-1615

Mortgage

Document Number	0069572060
Date	Aug 2, 2018
Book Page	006957/002060
Instrument	440210

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2033

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 25, 2018
Property Address	14 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1615
Document Number	0069091799
Book / Page	006909 / 001799
Instrument Date	Apr 20, 2018
Instrument	224910
Transaction Type	Transfer
Record Updated	May 24, 2018
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
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
Relationship	Husband and Wife
Address	14 NORMANDY DR LAKE ST LOUIS MO 633671615, LAKE ST LOUIS, MO 63367-1615

Mortgage

Document Number	69091801
Date	Apr 25, 2018
Book Page	006909/001801
Instrument	224920

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 24, 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	Lake St. Louis City
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,609 (+2.3%)	$334,789 (+2.3%) Land $65,291 Building $269,498
2025		$62,177	$327,248 Land $65,291 Building $261,957
2024	$3,978.00
2023		$57,761
2022			$304,011 Land $47,117 Building $256,894

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

FEMA maps place 14 Normandy Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 14 Normandy Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% 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 195 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
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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