St. Charles County property record for 2104 Graystone Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,165 sqft · built 1994 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $279,900 (Feb 2020) |
| Tax Bill | $3,550 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Feb 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A943000481 |
| Primary APN | A943000481 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,165 sqft Living Area |
| Gross Area | 3,762 sqft |
| 1st Floor Area | 1,180 sqft |
| Basement Area | 1,156 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 292 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A943000481 |
|---|---|
| Street Address | 2104 GRAYSTONE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-4632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRAYSTONE MEADOWS LOT 11 |
| Legal Subdivision | GRAYSTONE MEADOWS |
| Legal Lot Number | 11 |
| 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 | 2104 GRAYSTONE DR, SAINT CHARLES, MO 63303-4632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2020 | Deed of Trust, Mortgage FAMILY FIN MTG |
| Feb 11, 2020 | Warranty Deed, Transfer · Conventional Mortgage FAMILY FINANCE MORTGAGE LLC |
| Oct 1, 2019 | Grant Deed, Transfer · Line of Credit LINDELL BK&TR |
| Jul 26, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 11, 2020 · Amount on Record |
| Deed Sale | Feb 11, 2020 · Amount on Record |
| Prior Sale | Oct 1, 2019 · Amount on Record |
| Deed Document Number | 202084580 |
| Deed Book / Page | 7229 / 1210 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2104 GRAYSTONE DR, SAINT CHARLES, MO 63303-4632 |
| Document Number | 0000069759 |
| Instrument Date | Sep 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2104 GRAYSTONE DR ST CHARLES MO 633034632, ST CHARLES, MO 63303-4632 |
| Document Number | 0000069759 |
|---|---|
| Date | Sep 21, 2020 |
| Instrument | 69759 |
| Name | FAMILY FIN MTG |
|---|---|
| Type | Mortgage Company |
| Address | ARNOLD, MO 63010 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 20, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 11, 2020 |
| Property Address | 2104 GRAYSTONE DR, SAINT CHARLES, MO 63303-4632 |
| Document Number | 0072291210 |
| Book / Page | 7229 / 1210 |
| Map Reference | MB 31 PG 133 |
| Instrument Date | Feb 6, 2020 |
| Instrument | 20200211000084580 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1409 LUCERNE PL, 1409, WELDON SPRING, MO 63304-7791 |
| Name | Verified Name |
|---|---|
| Address | 2104 GRAYSTONE DR, SAINT CHARLES, MO 63303-4632 |
| Document Number | 20200211000084590 |
|---|---|
| Date | Feb 11, 2020 |
| Instrument | 20200211000084590 |
| Name | FAMILY FINANCE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 1, 2019 |
| Property Address | 2104 GRAYSTONE DR, SAINT CHARLES, MO 63303-4632 |
| Document Number | 0071532006 |
| Book / Page | 007153 / 002006 |
| Instrument Date | Sep 6, 2019 |
| Instrument | 543730 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2019 |
| Title Company | SERVICELINK |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1409 LUCERNE PL WELDON SPRING MO 633047791, WELDON SPRING, MO 63304-7791 |
| Investor | Possibly a Property Investor |
| Document Number | 71532009 |
|---|---|
| Date | Oct 1, 2019 |
| Book Page | 007153/002009 |
| Instrument | 543740 |
| Name | LINDELL BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63139 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 26, 2019 |
| Property Address | 2104 GRAYSTONE DR, SAINT CHARLES, MO 63303-4632 |
| Document Number | 0071112222 |
| Book / Page | 007111 / 002222 |
| Instrument Date | Jul 23, 2019 |
| Instrument | 384430 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 2104 GRAYSTONE DR ST CHARLES MO 633034632, ST CHARLES, MO 63303-4632 |
| Investor | Possibly a Property Investor |
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 | $61,608 (-) | $324,255 (-) Land $50,000 Building $274,255 | |
| 2025 | $3,550.00 | $61,608 (+14.06%) | $324,255 (+14.06%) Land $50,000 Building $274,255 |
| 2023 | $54,016 | ||
| 2022 | $284,293 Land $50,000 Building $234,293 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 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 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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