St. Charles County property record for 2154 Graystone Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,914 sqft · built 1988 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $345,000 (May 2025) |
| Tax Bill | $2,927 (2025) |
| Deeds & Mortgages | Oct 2022 Transfer Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A870002589 |
| Primary APN | A870002589 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,914 sqft Living Area |
| Gross Area | 2,616 sqft |
| 1st Floor Area | 1,122 sqft |
| Basement Area | 1,008 sqft |
| Finished Basement | 792 sqft |
| Unfinished Basement | 216 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 486 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 368 sqft |
| Deck Area | Deck Area |
| Patio Area | 266 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Solar |
| Sewer | Connected |
| Account Number | A870002589 |
|---|---|
| Street Address | 2154 GRAYSTONE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-4620 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MEADOWPARK #3 LOT 180 |
| Legal Subdivision | MEADOWPARK #3 |
| Legal Lot Number | 180 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 310902 |
Source: St. Charles County records, as of September 10, 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 | 2154 GRAYSTONE DR, SAINT CHARLES, MO 63303-4620 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Oct 6, 2022 | Intrafamily Transfer, Transfer |
| Sep 27, 2019 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Sep 11, 2019 | Deed of Trust, Mortgage · Line of Credit REGIONS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2025 · Amount on Record |
| Deed Sale | May 28, 2025 · Amount on Record |
| Deed Document Number | 202521990 |
| Prior Transfer Date | Dec 27, 2024 |
| Prior Transfer Doc | 0000010863 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 6, 2022 |
| Property Address | 2154 GRAYSTONE DR, SAINT CHARLES, MO 63303-4620 |
| Document Number | 0000054908 |
| Map Reference | MB 25 PG 132 |
| Instrument Date | Sep 28, 2022 |
| Instrument | 2022R-054908 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 2154 GRAYSTONE DR, SAINT CHARLES, MO 63303-4620 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2154 GRAYSTONE DR, SAINT CHARLES, MO 63303-4620 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0071510799 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 7151/0799 |
| Instrument | 20190927000534730 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Sep 16, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2154 GRAYSTONE DR, SAINT CHARLES, MO 63303-4620 |
| Document Number | 0071520529 |
| Instrument Date | Sep 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2154 GRAYSTONE DR ST CHARLES MO 633034620, ST CHARLES, MO 63303-4620 |
| Document Number | 0071520529 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 007152/000529 |
| Instrument | 538280 |
| Name | REGIONS BK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 29, 2049 |
| Rate Type | Adjustable Rate |
|---|
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 | $50,704 (-) | $266,864 (-) Land $50,000 Building $216,864 | |
| 2025 | $2,927.00 | $50,704 (+5.67%) | $266,864 (+5.67%) Land $50,000 Building $216,864 |
| 2023 | $47,984 | ||
| 2022 | $252,550 Land $50,000 Building $202,550 |
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 100 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 | Direct burnable vegetation |
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 616 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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