14 Windcastle Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 14 Windcastle Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	2 bd · 4.5 ba · 7,060 sqft · built 2001
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$4,250,000 (Apr 2017)
Tax Bill	$14,318 (2024)
Deeds & Mortgages	Apr 2017 Transfer Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A973001338`

Property Details

APN / Parcel Number

Primary APN	`A973001338`
Alternative APN	`3-0132-7619-00-0014.0000000`

Interior

Bedrooms	2 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	7,060 sqft Living Area
Gross Area	7,932 sqft
1st Floor Area	3,660 sqft
Basement Area	3,660 sqft
Finished Basement	3,400 sqft
Unfinished Basement	260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Attached
Garage Area	612 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	21 sqft

Location & Zoning

Account Number	A973001338
Street Address	14 WINDCASTLE DR
City	SAINT CHARLES
State	MO
Zip	63304-0446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDCASTLE #1 LOT 14
Legal Subdivision	WIND CASTLE #1
Legal Lot Number	14
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311132

Owner

14 Windcastle Dr is owned and occupied by two individuals who acquired it in April 2017.

Source: St. Charles County records, as of August 13, 2025

Owner of Record	2 Individual Names on File
Mailing Address	14 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
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
Apr 21, 2017	Quit Claim Deed, Transfer Quitclaim
Apr 3, 2017	Warranty Deed, Transfer · Conventional Mortgage JEFFERSON BANK & TRUST
Feb 1, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2017 · Amount on File
Deed Sale	Apr 3, 2017 · Amount on File
Prior Sale	Feb 1, 2017 · Amount on File
Deed Document Number	2017195090
Deed Book / Page	6721 / 532
Last Transfer Date	Apr 21, 2017
Transfer Doc	0067311716
Record Updated	Jun 8, 2026

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 21, 2017
Property Address	14 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	0067311716
Book / Page	006731 / 001716
Instrument Date	Apr 21, 2017
Instrument	242140
Transaction Type	Transfer
Record Updated	Apr 28, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	14 WINDCASTLE DR ST CHARLES MO 633040446, ST CHARLES, MO 63304-0446

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 3, 2017
Property Address	14 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	0067210532
Book / Page	6721 / 0532
Map Reference	MB 33 PG 331
Instrument Date	Mar 29, 2017
Instrument	20170403000195090
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2301 MARKET ST, 2301, SAINT LOUIS, MO 63103-2541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446

Mortgage

Document Number	20170403000195100
Date	Apr 3, 2017
Instrument	20170403000195100

Lender

Name	JEFFERSON BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2032

February 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 1, 2017
Property Address	14 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	0066940436
Book / Page	006694 / 000436
Instrument Date	Jan 31, 2017
Instrument	70390
Transaction Type	Foreclosure
Record Updated	Feb 7, 2017

Transaction

Amount	Amount on Record
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2301 MARKET ST ST LOUIS MO 631032541, ST LOUIS, MO 63103-2541

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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	Tax Bill	Assessed Value	Assessed Market Value
2025		$272,323	$1,433,281 Land $150,000 Building $1,283,281
2024	$14,318.00
2023		$241,037
2022			$1,268,614 Land $150,000 Building $1,118,614

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 14 Windcastle Dr in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1979.

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

Wildfire risk around 14 Windcastle Dr is low, with a 0.03% annual chance of 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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