15 Windcastle Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 15 Windcastle Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 5,200 sqft · built 1998
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Dec 2012)
Tax Bill	$11,943 (2025)
Deeds & Mortgages	Mar 2022 Transfer Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A973001339`

Property Details

APN / Parcel Number

Primary APN	`A973001339`
Alternative APN	`3-0132-7619-00-0015.0000000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	5,200 sqft Living Area
Gross Area	6,511 sqft
1st Floor Area	2,091 sqft
Basement Area	2,061 sqft
Finished Basement	1,600 sqft
Unfinished Basement	461 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Attached
Garage Area	850 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	77 sqft
Patio Area	2,103 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001339
Street Address	15 WINDCASTLE DR
City	SAINT CHARLES
State	MO
Zip	63304-0446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDCASTLE #1 LOT 15
Legal Subdivision	WIND CASTLE #1
Legal Lot Number	15
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311132

Owner

15 Windcastle Dr is owned and occupied by two individuals who acquired it in October 2021.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15 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
Mar 15, 2022	Intrafamily Transfer, Transfer SERVICELINK
Jan 3, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2012 · Amount on File
Deed Sale	Dec 19, 2012 · Amount on File
Prior Sale	Nov 30, 2012 · Amount on File
Deed Document Number	2012975620
Deed Book / Page	5920 / 1265
Last Transfer Date	Oct 26, 2021
Transfer Doc	0000000053
Record Updated	Oct 29, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 15, 2022
Property Address	15 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	0000015209
Map Reference	MB 33 PG 331
Instrument Date	Feb 25, 2022
Instrument	2022R-015209
Transaction Type	Transfer
Record Updated	Mar 29, 2022
Title Company	SERVICELINK

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	Tenants by the Entirety
Address	15 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jan 3, 2022
Property Address	15 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	0000000053
Map Reference	MB 33 PG 331
Instrument Date	Oct 26, 2021
Instrument	2022R-000053
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446

Mortgage

Document Number	0000000054
Date	Jan 3, 2022
Instrument	2022R-000054

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 15 Windcastle Dr was $11,943, up 7.7% from the year before.

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$202,243 (-)	$1,064,442 (-) Land $150,000 Building $914,442
2025	$11,943.00 (+7.68%)	$202,243	$1,064,442 Land $150,000 Building $914,442
2024	$11,091.00
2023		$186,597
2022			$982,090 Land $150,000 Building $832,090

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 15 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 15 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 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

Cell Coverage

5G and 4G LTE (outdoors only)

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