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

St. Charles County property record for 19 Normandy Dr, Lake Saint Louis, MO 63367

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,175 sqft · built 1974
Lot Size	0.294 acres (12,800 sqft)
Owner	2 Company Names on File
Last Sale	$522,500 (Oct 2019)
Tax Bill	$7,098 (2024)
Deeds & Mortgages	Sep 2026 Transfer Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`687000A000`

Property Details

APN / Parcel Number

Primary APN	`687000A000`
Alternative APN	`4-0056-4311-00-0035.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,175 sqft Living Area
Gross Area	4,884 sqft
1st Floor Area	2,046 sqft
Basement Area	2,046 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Plywood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,800 sqft (0.294 acres)
Lot Dimensions	128 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	792 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	Deck Area
Patio Area	654 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	687000A000
Street Address	19 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 35
Legal Subdivision	LSL #2 RESUB #105 & #113
Legal Lot Number	35
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	2
Census Block	2000
Census Tract	311903

Owner

19 Normandy Dr is owned by a company that acquired it in September 2026.

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 Company Names on File
Mailing Address	19 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Aug 11, 2020	Deed of Trust, Mortgage · Line of Credit UMB BANK NA
May 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Oct 30, 2019	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2019 · Amount on File
Deed Sale	Oct 30, 2019 · Amount on File
Prior Sale	Jun 4, 2015 · Amount on File
Deed Document Number	2019614150
Deed Book / Page	7172 / 908
Last Transfer Date	Sep 16, 2026
Transfer Doc	0000045977
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 28, 2026
Property Address	19 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614
Document Number	0000045977
Instrument Date	Sep 16, 2026
Instrument	202645977
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	19 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	19 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	STEWART TITLE/CALDWELL, STC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614

Mortgage

Document Number	2021R025124
Date	Mar 22, 2021
Instrument	2021R-025124

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	19 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073690319
Date	Aug 11, 2020
Book Page	7369/319
Instrument	20200811000575270

Lender

Name	UMB BANK NA
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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	19 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072950071
Date	May 14, 2020
Book Page	7295/71
Instrument	20200514000311230

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2035

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 30, 2019
Property Address	19 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614
Document Number	0071720908
Book / Page	7172 / 0908
Map Reference	MB 12 PG 2
Instrument Date	Oct 24, 2019
Instrument	20191030000614150
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1614

Mortgage

Document Number	20191030000614160
Date	Oct 30, 2019
Instrument	20191030000614160

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

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		$116,429 (-)	$612,781 (-) Land $225,040 Building $387,741
2025		$116,429 (+12.63%)	$612,781 (+12.62%) Land $225,040 Building $387,741
2024	$7,098.00
2023		$103,377
2022			$544,093 Land $162,400 Building $381,693

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 19 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 19 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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