2 River Wind Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2 River Wind Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,331 sqft · built 2023
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on File
Last Sale	$461,957 (Apr 2024)
Tax Bill	$5,719 (2025)
Deeds & Mortgages	Apr 2024 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T240500062`

Property Details

APN / Parcel Number

Primary APN	`T240500062`
Alternative APN	`5-116D-D399-00-0084.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,331 sqft Living Area
Basement Area	1,384 sqft

Exterior

Year Built	Built 2023
Exterior Material	Composition/Composite
Lot Area	9,801 sqft (0.225 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T240500062
Street Address	2 RIVER WIND DR
City	SAINT CHARLES
State	MO
Zip	63301-4597
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER BREEZE ESTS #2 LOT 84
Legal Subdivision	RIVER BREEZE ESTS #2
Legal Lot Number	84
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1001
Census Tract	310202

Owner

Source: St. Charles County records · APN T240500062

Assessment roll updated July 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2 RIVER WIND DR, SAINT CHARLES, MO 63301-4597
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 01, 2024 · Amount on Record
Deed Sale	Apr 01, 2024 · Amount on Record
Deed Document Number	0202411940
Deed Book / Page	2024 / 11940
Record Updated	Jun 08, 2026

April 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 01, 2024
Property Address	2 RIVER WIND DR, SAINT CHARLES, MO 63301-4597
Document Number	0000011940
Map Reference	DOC 2023R-0228074
Instrument Date	Mar 29, 2024
Instrument	2024R-011940
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16141 SWINGLEY RIDGE RD # RD109, RD109, CHESTERFIELD, MO 63017-1774

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2 RIVER WIND DR, SAINT CHARLES, MO 63301-4597

Mortgage

Document Number	0000011941
Date	Apr 01, 2024
Instrument	2024R-011941

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2054

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833102021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	37 (1979–2022)
Claims Outside the SFHA	2 of 37
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 2 claims Severe Storms & Flooding, Aug 1993 · 26 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 438 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	ST CHARLES PWS serves 78,961 people
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.