St. Charles County property record for 20 Normandy Dr, Lake Saint Louis, MO 63367
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,134 sqft · built 1995 |
| Lot Size | 0.255 acres (11,125 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $174,900 (Jun 1999) |
| Tax Bill | $5,058 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 686640A000 |
| Primary APN | 686640A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,134 sqft Living Area |
| Gross Area | 4,041 sqft |
| 1st Floor Area | 2,134 sqft |
| Basement Area | 1,225 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,125 sqft (0.255 acres) |
| Lot Dimensions | 125 ft deep x 89 ft wide |
| Garage Type | Attached |
| Garage Area | 682 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 35 sqft |
| Patio Area | 190 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 686640A000 |
|---|---|
| Street Address | 20 NORMANDY DR |
| City | LAKE SAINT LOUIS |
| State | MO |
| Zip | 63367-1615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | LSL #2 LOT 23 |
| Legal Subdivision | LSL #2 RESUB #105 & #113 |
| Legal Lot Number | 23 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LAKE ST. LOUIS |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 311903 |
20 Normandy Dr is owned and occupied by two individuals who bought it in June 1999.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 1999 · Amount on File |
| Deed Sale | Jun 17, 1999 · Amount on File |
| Deed Document Number | 199952076 |
| Deed Book / Page | 2267 / 390 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 20 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1615 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 20 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1615 |
| Document Number | 2021R073675 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 2021R-073675 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 20 Normandy Dr was $5,058.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | Lake St. Louis City |
| Unified School District | Wentzville R-IV School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $72,108 (-) | $379,517 (-) Land $65,291 Building $314,226 | |
| 2025 | $5,058.00 | $72,108 | $379,517 Land $65,291 Building $314,226 |
| 2023 | $67,055 | ||
| 2022 | $352,923 Land $47,117 Building $305,806 |
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 20 Normandy Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 20 Normandy 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 98% of the US · lower than 96% 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 COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530 |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2026) 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 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Wisper ISP.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures