St. Charles County property record for 22 Windcastle Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 4,242 sqft · built 1998 |
| Lot Size | 1.18 acres (51,836 sqft) |
| Owner | Company Name on Record |
| Last Sale | $120,000 (Oct 1997) |
| Tax Bill | $12,415 (2024) |
| Deeds & Mortgages | Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A973001346 |
| Primary APN | A973001346 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 4,242 sqft Living Area |
| Gross Area | 8,039 sqft |
| 1st Floor Area | 3,307 sqft |
| Basement Area | 3,067 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Lot Area | 51,836 sqft |
| Garage Type | Attached |
| Garage Area | 730 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 204 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A973001346 |
|---|---|
| Street Address | 22 WINDCASTLE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-0446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINDCASTLE #1 LOT 22 |
| Legal Subdivision | WIND CASTLE #1 |
| Legal Lot Number | 22 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311132 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 22 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 1997 · Amount on Record |
| Deed Sale | Oct 15, 1997 · Amount on Record |
| Deed Document Number | 199759222 |
| Deed Book / Page | 1990 / 177 |
| Last Transfer Date | Mar 3, 2006 |
| Transfer Doc | 0044401560 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 22 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 22 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446 |
| Document Number | 0000037727 |
|---|---|
| Date | Jul 7, 2022 |
| Instrument | 2022R-037727 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Aug 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.87% |
| Index | Other |
| Margin | 3 |
| Max Rate | 8.87% |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $220,867 (-) | $1,162,455 (-) Land $214,500 Building $947,955 | |
| 2025 | $220,867 (+5.71%) | $1,162,455 (+5.71%) Land $214,500 Building $947,955 | |
| 2024 | $12,415.00 | ||
| 2023 | $208,932 | ||
| 2022 | $1,099,641 Land $214,500 Building $885,141 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 26 (1979–2019) |
| Claims Outside the SFHA | 1 of 26 |
| Most Recent Claim | Jun 2019 · Severe Storms, Tornadoes, 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 67% of the US · lower than 78% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% 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 | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T.
5G and 4G LTE (outdoors only)
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