St. Charles County property record for 16 Normandy Dr, Lake Saint Louis, MO 63367
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,628 sqft · built 1991 |
| Lot Size | 0.244 acres (10,625 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $103,800 (Nov 1999) |
| Tax Bill | $4,327 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 686580A000 |
| Primary APN | 686580A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,628 sqft Living Area |
| Gross Area | 3,854 sqft |
| 1st Floor Area | 1,628 sqft |
| Basement Area | 1,596 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,625 sqft (0.244 acres) |
| Lot Dimensions | 125 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Patio Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 686580A000 |
|---|---|
| Street Address | 16 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 21 |
| Legal Subdivision | LSL #2 RESUB #105 & #113 |
| Legal Lot Number | 21 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LAKE ST. LOUIS |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 311903 |
16 Normandy Dr is owned and occupied by two individuals who bought it in November 1999.
Source: St. Charles County records, as of August 7, 2026
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 23, 1999 · Amount on File |
| Deed Sale | Nov 23, 1999 · Amount on File |
| Deed Document Number | 199993400 |
| Deed Book / Page | 2333 / 1496 |
| Prior Transfer Date | Nov 15, 1999 |
| Prior Transfer Doc | 0000093400 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 16 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1615 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 16 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1615 |
| Document Number | 0000052806 |
|---|---|
| Date | Nov 24, 2025 |
| Instrument | 2025R-052806 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | Lake St. Louis City |
| Unified School District | Wentzville R-IV School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $61,631 (-) | $324,379 (-) Land $65,291 Building $259,088 | |
| 2025 | $4,327.00 | $61,631 (+6.38%) | $324,379 (+6.38%) Land $65,291 Building $259,088 |
| 2023 | $57,934 | ||
| 2022 | $304,917 Land $47,117 Building $257,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 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 risk around 16 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.
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 |
| 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.
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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