St. Charles County property record for 1975 Graystone Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,084 sqft · built 1994 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $289,900 (May 2017) |
| Tax Bill | $4,845 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A953000931 |
| Primary APN | A953000931 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,084 sqft Living Area |
| Gross Area | 4,176 sqft |
| 1st Floor Area | 1,302 sqft |
| Basement Area | 1,188 sqft |
| Finished Basement | 594 sqft |
| Unfinished Basement | 594 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 498 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 405 sqft |
| Deck Area | Deck Area |
| Patio Area | 309 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953000931 |
|---|---|
| Street Address | 1975 GRAYSTONE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-4664 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BOGEY CROSSING LOT 33 |
| Legal Subdivision | BOGEY CROSSING |
| Legal Lot Number | 33 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 310902 |
Source: St. Charles County records, as of August 7, 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 | 1975 GRAYSTONE DR, SAINT CHARLES, MO 63303-4664 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2020 | Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA |
| May 31, 2017 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2017 · Amount on Record |
| Deed Sale | May 31, 2017 · Amount on Record |
| Prior Sale | Nov 22, 2013 · Amount on Record |
| Deed Document Number | 2017331750 |
| Deed Book / Page | 6751 / 1351 |
| Prior Transfer Date | Jul 3, 2006 |
| Prior Transfer Doc | 0045261707 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1975 GRAYSTONE DR, SAINT CHARLES, MO 63303-4664 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|---|
| Address | 1975 GRAYSTONE DR, SAINT CHARLES, MO 63303-4664 |
| Document Number | 0073790928 |
|---|---|
| Date | Aug 24, 2020 |
| Book Page | 7379/928 |
| Instrument | 20200824000612140 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 238 Months |
| Due | Jun 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 31, 2017 |
| Property Address | 1975 GRAYSTONE DR, SAINT CHARLES, MO 63303-4664 |
| Document Number | 0067511351 |
| Book / Page | 6751 / 1351 |
| Map Reference | MB 32 PG 14 |
| Instrument Date | May 26, 2017 |
| Instrument | 20170531000331750 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | SELECT TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1975 GRAYSTONE DR, 1975, SAINT CHARLES, MO 63303-4664 |
| Name | Verified Name |
|---|---|
| Address | 1975 GRAYSTONE DR, SAINT CHARLES, MO 63303-4664 |
| Document Number | 20170531000331760 |
|---|---|
| Date | May 31, 2017 |
| Instrument | 20170531000331760 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $84,279 (-) | $443,575 (-) Land $75,000 Building $368,575 | |
| 2025 | $4,845.00 (+3.88%) | $84,279 (+6.97%) | $443,575 (+6.97%) Land $75,000 Building $368,575 |
| 2024 | $4,664.00 | ||
| 2023 | $78,791 | ||
| 2022 | $414,687 Land $55,000 Building $359,687 |
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.
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 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 55 (1978–2016) |
| Most Recent Claim | Jan 2016 · Severe Storms, Tornadoes, Straight-line Winds, 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 99.1% of the US · lower than 98.2% 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 PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) 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 363 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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