St. Charles County property record for 1979 Graystone Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,628 sqft · built 1995 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $306,000 (Jun 2024) |
| Tax Bill | $3,789 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Mar 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A953000932 |
| Primary APN | A953000932 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,628 sqft Living Area |
| Gross Area | 3,566 sqft |
| 1st Floor Area | 1,628 sqft |
| Basement Area | 1,518 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| 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 | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953000932 |
|---|---|
| Street Address | 1979 GRAYSTONE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-4664 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BOGEY CROSSING LOT 34 |
| Legal Subdivision | BOGEY CROSSING |
| Legal Lot Number | 34 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 310902 |
1979 Graystone Dr is owned and occupied by two individuals who bought it in June 2024.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1979 GRAYSTONE DR, SAINT CHARLES, MO 63303-4664 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 19, 2021 | Deed of Trust, Mortgage · Line of Credit ST JOHNS BANK & TRUST COMPANY |
| Dec 3, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Dec 29, 2017 | Warranty Deed, Transfer TITLE PARTNERS AGENCY LLC |
| Nov 28, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Oct 18, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2024 · Amount on File |
| Deed Sale | Jun 18, 2024 · Amount on File |
| Prior Sale | Oct 7, 2016 |
| Deed Document Number | 202423967 |
| Prior Transfer Date | Nov 16, 2017 |
| Prior Transfer Doc | 0068441698 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 9, 2026 |
| Property Address | 1979 GRAYSTONE DR, SAINT CHARLES, MO 63303-4664 |
| Document Number | 0000032054 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 202632054 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1979 GRAYSTONE DR, SAINT CHARLES, MO 63303-4664 |
| Document Number | 0000032054, |
|---|---|
| Date | Jul 9, 2026 |
| Instrument | 202632054 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1979 GRAYSTONE DR, SAINT CHARLES, MO 63303-4664 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1980 GRAYSTONE DR, SAINT CHARLES, MO 63303-4662 |
| Document Number | 0000024461 |
|---|---|
| Date | Mar 19, 2021 |
| Instrument | 2021R-024461 |
| Name | ST JOHNS BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63114 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 3, 2018 |
| Property Address | 1979 GRAYSTONE DR, SAINT CHARLES, MO 63303-4664 |
| Document Number | 0070091780 |
| Book / Page | 007009 / 001780 |
| Instrument Date | Nov 29, 2018 |
| Instrument | 675210 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1980 GRAYSTONE DR ST CHARLES MO 633034662, ST CHARLES, MO 63303-4662 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 29, 2017 |
| Property Address | 1979 GRAYSTONE DR, SAINT CHARLES, MO 63303-4664 |
| Document Number | 0068601862 |
| Book / Page | 006860 / 001862 |
| Instrument Date | Dec 28, 2017 |
| Instrument | 802940 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2018 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1980 GRAYSTONE DR ST CHARLES MO 633034662, ST CHARLES, MO 63303-4662 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 28, 2017 |
| Property Address | 1979 GRAYSTONE DR, SAINT CHARLES, MO 63303-4664 |
| Document Number | 0068441698 |
| Book / Page | 006844 / 001698 |
| Instrument Date | Nov 16, 2017 |
| Instrument | 735720 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 589 MEADOW CHASE DR ST CHARLES MO 633031524, ST CHARLES, MO 63303-1524 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 18, 2017 |
| Property Address | 1979 GRAYSTONE DR, SAINT CHARLES, MO 63303-4664 |
| Document Number | 0068250082 |
| Book / Page | 006825 / 000082 |
| Instrument Date | Oct 12, 2017 |
| Instrument | 654300 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1979 GRAYSTONE DR ST CHARLES MO 633034664, ST CHARLES, MO 63303-4664 |
The 2025 property tax bill for 1979 Graystone Dr was $3,789, up 4.4% from the year before.
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 | $65,799 (-) | $346,312 (-) Land $75,000 Building $271,312 | |
| 2025 | $3,789.00 (+4.44%) | $65,799 | $346,312 Land $75,000 Building $271,312 |
| 2024 | $3,628.00 | ||
| 2023 | $61,177 (+18.93%) | ||
| 2022 | $3,278.00 | $51,438 | $321,982 (+18.93%) Land $55,000 Building $266,982 |
| 2021 | $270,726 Land $45,000 Building $225,726 |
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.
FEMA maps place 1979 Graystone Dr in Zone X, an area of minimal flood risk, though there have been 55 flood claims nearby since 1978.
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.
Wildfire risk around 1979 Graystone 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 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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