St. Charles County property record for 19 Windcastle Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 4,484 sqft · built 1999 |
| Lot Size | 1.29 acres (56,192 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $135,000 (Feb 1999) |
| Tax Bill | $18,350 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A973001343 |
| Primary APN | A973001343 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 4,484 sqft Living Area |
| 1st Floor Area | 4,484 sqft |
| Basement Area | 4,484 sqft |
| Finished Basement | 3,400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 56,192 sqft (1.29 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | A973001343 |
|---|---|
| Old Parcel Number | A973001343 |
| Street Address | 19 WINDCASTLE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-0446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINDCASTLE #1 LOT 19 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | WIND CASTLE #1 |
| Legal Lot Number | 19 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311132 |
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 19 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 1999 · Amount on Record |
| Deed Sale | Feb 12, 1999 · Amount on Record |
| Prior Sale | Feb 13, 1997 |
| Deed Document Number | 13419 |
| Deed Book / Page | 2205 / 1596 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 19 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2023 |
| Title Company | CLEAR TITLE |
| Name | Verified Name |
|---|---|
| Address | 19 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446 |
| Document Number | 0000023843 |
|---|---|
| Date | Jun 20, 2023 |
| Instrument | 2023R-023843 |
| Name | UMB BANK NA |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.81% |
| Type Change Date | Jul 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 10.8% |
| Index | 1-Year T-Bill |
| Margin | 2 |
| Max Rate | 10.8% |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $18,350.00 | $310,999 (+11.91%) | $1,636,840 (+11.91%) Land $214,500 Building $1,422,340 |
| 2023 | $277,898 | ||
| 2022 | $1,462,616 Land $214,500 Building $1,248,116 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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