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

St. Charles County property record for 17 Normandy Dr, Lake Saint Louis, MO 63367

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,737 sqft · built 1972
Lot Size	0.327 acres (14,250 sqft)
Owner	2 Individual Names on File
Last Sale	$606,000 (Jul 2021)
Tax Bill	$7,926 (2025)
Deeds & Mortgages	Jan 2024 Sale May 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`687030A000`

Property Details

APN / Parcel Number

Primary APN	`687030A000`
Alternative APN	`4-0056-4311-00-0036.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,737 sqft Living Area
Gross Area	6,054 sqft
1st Floor Area	2,737 sqft
Basement Area	2,717 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,250 sqft (0.327 acres)
Lot Dimensions	150 ft deep x 95 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft
Patio Area	464 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	687030A000
Street Address	17 NORMANDY DR
City	LAKE SAINT LOUIS
State	MO
Zip	63367-1614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LSL #2 LOT 36
Legal Subdivision	LSL #2 RESUB #105 & #113
Legal Lot Number	36
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	2
Census Block	2000
Census Tract	311903

Owner

17 Normandy Dr is owned and occupied by two individuals who acquired it in January 2024.

Source: St. Charles County records, as of October 13, 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	17 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Beneficiary Deed, Transfer
May 15, 2023	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Jan 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
Dec 28, 2021	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Jul 29, 2021	Warranty Deed, Transfer INVESTORS TITLE COMPANY
Jul 10, 2019	Warranty Deed, Transfer · ARM COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2021 · Amount on File
Deed Sale	Jul 29, 2021 · Amount on File
Prior Sale	Jul 10, 2019 · Amount on File
Deed Document Number	202163609
Last Transfer Date	Jan 22, 2024
Transfer Doc	0000002790
Record Updated	Oct 29, 2026

January 2024: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 24, 2024
Property Address	17 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614
Document Number	0000002790
Map Reference	MB 12 PG 2
Instrument Date	Jan 22, 2024
Instrument	2024R-002790
Transaction Type	Transfer
Record Updated	Feb 6, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17 NORMANDY DR, LAKE ST LOUIS, MO 63367-1614

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	17 NORMANDY DR, LAKE ST LOUIS, MO 63367-1614

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	17 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 NORMANDY DR, LAKE ST LOUIS, MO 63367-1614

Mortgage

Document Number	0000018440
Date	May 15, 2023
Instrument	2023R-018440

Lender

Name	FIRST BANK
Type	Bank
Address	LAKE SAINT LOUIS, MO 63367

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	17 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614
Transaction Type	Mortgage
Record Updated	Jan 20, 2023
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614

Mortgage

Document Number	0000000586
Date	Jan 5, 2023
Instrument	2023R-000586

Lender

Name	FIRST BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	17 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614
Transaction Type	Mortgage
Record Updated	Jan 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614

Mortgage

Document Number	0000103942
Date	Dec 28, 2021
Instrument	2021R-103942

Lender

Name	FIRST BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 29, 2021
Property Address	17 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614
Document Number	2021R063609
Map Reference	MB 12 PG 2
Instrument Date	Jul 26, 2021
Instrument	2021R-063609
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3451 N FARM ROAD 139, 3451, SPRINGFIELD, MO 65803-8496

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 10, 2019
Property Address	17 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614
Document Number	0071031525
Book / Page	7103 / 1525
Map Reference	MB 12 PG 2
Instrument Date	Jul 10, 2019
Instrument	20190710000350060
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE CORP & AGCY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17 NORMANDY DR, 17, LAKE SAINT LOUIS, MO 63367-1614

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3451 N FARM ROAD 139, SPRINGFIELD, MO 65803-8496

Mortgage

Document Number	20190710000350070
Date	Jul 10, 2019
Instrument	20190710000350070

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

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		$113,212 (-)	$595,849 (-) Land $225,040 Building $370,809
2025	$7,926.00	$113,212 (+12.19%)	$595,849 (+12.19%) Land $225,040 Building $370,809
2023		$100,907
2022			$531,087 Land $162,400 Building $368,687

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 17 Normandy Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 17 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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