St. Charles County property record for 1976 Graystone Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,645 sqft · built 1994 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,000 (Aug 2019) |
| Tax Bill | $3,733 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Mar 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A953001079 |
| Primary APN | A953001079 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,645 sqft Living Area |
| Gross Area | 3,420 sqft |
| 1st Floor Area | 1,545 sqft |
| Basement Area | 1,455 sqft |
| Finished Basement | 1,100 sqft |
| Unfinished Basement | 355 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 85 sqft |
| Patio Area | 204 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953001079 |
|---|---|
| Street Address | 1976 GRAYSTONE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-4662 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BOGEY CROSSING LOT 181 |
| Legal Subdivision | BOGEY CROSSING |
| Legal Lot Number | 181 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1000 |
| 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 | 1976 GRAYSTONE DR, SAINT CHARLES, MO 63303-4662 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 18, 2021 | Deed of Trust, Mortgage · Line of Credit ALLTRU FCU |
| Mar 6, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Aug 15, 2019 | Warranty Deed, Transfer · FHA Mortgage STIFEL BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2019 · Amount on Record |
| Deed Sale | Aug 15, 2019 · Amount on Record |
| Prior Sale | Aug 21, 2014 · Amount on Record |
| Deed Document Number | 2019430280 |
| Deed Book / Page | 7124 / 384 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1976 GRAYSTONE DR, SAINT CHARLES, MO 63303-4662 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1976 GRAYSTONE DR, SAINT CHARLES, MO 63303-4662 |
| Document Number | 2021R051918 |
|---|---|
| Date | Jun 18, 2021 |
| Instrument | 2021R-051918 |
| Name | ALLTRU FCU |
|---|---|
| Type | Credit Union |
| Address | WENTZVILLE, MO 63385 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 22, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1976 GRAYSTONE DR, SAINT CHARLES, MO 63303-4662 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0068872112 |
|---|---|
| Date | Mar 6, 2018 |
| Book Page | 6887/2112 |
| Instrument | 20180306000120100 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 15, 2019 |
| Property Address | 1976 GRAYSTONE DR, SAINT CHARLES, MO 63303-4662 |
| Document Number | 0071240384 |
| Book / Page | 007124 / 000384 |
| Instrument Date | Aug 9, 2019 |
| Instrument | 430280 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2019 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 976 GRAYSTONE DR ST CHARLES MO 63303, ST CHARLES, MO 63303 |
| Document Number | 71240386 |
|---|---|
| Date | Aug 15, 2019 |
| Book Page | 007124/000386 |
| Instrument | 430290 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 14, 2049 |
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 | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $64,811 (-) | $341,113 (-) Land $75,000 Building $266,113 | |
| 2025 | $3,733.00 | $64,811 (+7.68%) | $341,113 (+7.68%) Land $75,000 Building $266,113 |
| 2023 | $60,190 | ||
| 2022 | $316,790 Land $55,000 Building $261,790 |
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 | 4 in force |
| Nearby Flood Claims | 11 (1979–2022) |
| Most Recent Claim | Jul 2022 · Severe Storms 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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