St. Charles County property record for 2003 Graystone Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,084 sqft · built 1994 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $296,000 (Jun 2019) |
| Tax Bill | $4,837 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A953000938 |
| Primary APN | A953000938 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,084 sqft Living Area |
| Gross Area | 4,176 sqft |
| 1st Floor Area | 2,490 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 | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 498 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | Deck Area |
| Patio Area | 308 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953000938 |
|---|---|
| Street Address | 2003 GRAYSTONE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-4666 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BOGEY CROSSING LOT 40 |
| Legal Subdivision | BOGEY CROSSING |
| Legal Lot Number | 40 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 310902 |
Source: St. Charles County records · APN A953000938
Assessment roll updated August 13, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 2003 GRAYSTONE DR, SAINT CHARLES, MO 63303-4666 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 08, 2026 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Sep 20, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 06, 2019 | Warranty Deed, Transfer · FHA Mortgage CITIZENS NATIONAL BANK OF TEXAS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 06, 2019 · Amount on Record |
| Deed Sale | Jun 06, 2019 · Amount on Record |
| Prior Sale | Jan 02, 2014 · Amount on Record |
| Deed Document Number | 2019277480 |
| Deed Book / Page | 7085 / 2222 |
| Prior Transfer Date | Apr 21, 1999 |
| Prior Transfer Doc | 0000039372 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 08, 2026 |
| Property Address | 2003 GRAYSTONE DR, SAINT CHARLES, MO 63303-4666 |
| Document Number | 0000016173 |
| Instrument Date | Apr 03, 2026 |
| Instrument | 202616173 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2003 GRAYSTONE DR, SAINT CHARLES, MO 63303-4666 |
| Document Number | 0000016173, |
|---|---|
| Date | Apr 08, 2026 |
| Instrument | 202616173 |
| Name | COMMERCE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 03, 2036 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2003 GRAYSTONE DR, SAINT CHARLES, MO 63303-4666 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 2003 GRAYSTONE DR, SAINT CHARLES, MO 63303-4666 |
| Document Number | 0000078621 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 2021R-078621 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 06, 2019 |
| Property Address | 2003 GRAYSTONE DR, SAINT CHARLES, MO 63303-4666 |
| Document Number | 0000277480 |
| Book / Page | 7085 / 2222 |
| Map Reference | MB 32 PG 14-17 |
| Instrument Date | May 31, 2019 |
| Instrument | 20190606000277480 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | HERITAGE TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2003 GRAYSTONE DR, SAINT CHARLES, MO 63303-4666 |
| Document Number | 0000277490 |
|---|---|
| Date | Jun 06, 2019 |
| Instrument | 20190606000277490 |
| Name | CITIZENS NATIONAL BANK OF TEXAS |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2049 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,837.00 (+3.89%) | $84,143 (+6.97%) | $442,858 (+6.97%) Land $75,000 Building $367,858 |
| 2024 | $4,656.00 | ||
| 2023 | $78,660 | ||
| 2022 | $414,002 Land $55,000 Building $359,002 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833109022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 363 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MO6010707, as of 2026 Q3 · EPA water system boundaries as of 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 |
| 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures