St. Charles County property record for 2185 Graystone Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,578 sqft · built 1986 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,794 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A860002207 |
| Primary APN | A860002207 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,578 sqft Living Area |
| Gross Area | 2,614 sqft |
| 1st Floor Area | 1,122 sqft |
| Basement Area | 1,008 sqft |
| Finished Basement | 456 sqft |
| Unfinished Basement | 552 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | Deck Area |
| Patio Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A860002207 |
|---|---|
| Street Address | 2185 GRAYSTONE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-4622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MEADOWPARK #1 LOT 19 |
| Legal Subdivision | MEADOWPARK #1 |
| Legal Lot Number | 19 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 310902 |
2185 Graystone Dr is owned and occupied by an individual.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2185 GRAYSTONE DR, SAINT CHARLES, MO 63303-4622 |
| 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 | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2185 GRAYSTONE DR, SAINT CHARLES, MO 63303-4622 |
| Document Number | 0000063380 |
| Instrument Date | Aug 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 2185 GRAYSTONE DR ST CHARLES MO 633034622, ST CHARLES, MO 63303-4622 |
| Document Number | 0000063380 |
|---|---|
| Date | Aug 31, 2020 |
| Instrument | 63380 |
| Name | ST LOUIS CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63108 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Aug 30, 2030 |
The 2025 property tax bill for 2185 Graystone Dr was $2,794.
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 | $48,375 (-) | $254,607 (-) Land $50,000 Building $204,607 | |
| 2025 | $2,794.00 | $48,375 | $254,607 Land $50,000 Building $204,607 |
| 2023 | $45,704 | ||
| 2022 | $240,549 Land $50,000 Building $190,549 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2185 Graystone 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
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 2185 Graystone Dr is low, with 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 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | 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 353 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 | 1,000 / 1,000 |
May also be available: i3 Broadband, T-Mobile.
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