2286 Graystone Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2286 Graystone Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,535 sqft · built 1985
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$318,150 (Aug 2026)
Tax Bill	$3,047 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`451170A004`

Property Details

APN / Parcel Number

Primary APN	`451170A004`
Alternative APN	`3-0161-5650-00-0004.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,535 sqft Living Area
Gross Area	2,670 sqft
1st Floor Area	1,335 sqft
Basement Area	637 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Split Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	698 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	390 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	451170A004
Street Address	2286 GRAYSTONE DR
City	SAINT CHARLES
State	MO
Zip	63303-5159
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	GRAYSTONE #1 LOT 4
Legal Subdivision	GRAYSTONE
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1032
Census Tract	310902

Owner

Source: St. Charles County records, as of September 11, 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	2286 GRAYSTONE DR, SAINT CHARLES, MO 63303-5159
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK
Sep 7, 2021	Warranty Deed, Transfer · Conventional Mortgage CANOPY MORTGAGE LLC
May 27, 2020	Deed of Trust, Mortgage · Line of Credit BANK STAR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2026 · Amount on Record
Deed Sale	Aug 17, 2026 · Amount on Record
Prior Sale	Sep 7, 2021 · Amount on Record
Deed Document Number	202639267
Prior Transfer Date	Oct 11, 2013
Prior Transfer Doc	0061062118
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 17, 2026
Property Address	2286 GRAYSTONE DR, SAINT CHARLES, MO 63303-5159
Document Number	0000039267
Instrument Date	Aug 13, 2026
Instrument	202639267
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2286 GRAYSTONE DR, SAINT CHARLES, MO 63303-5159

Mortgage

Document Number	0000039268,
Date	Aug 17, 2026
Instrument	202639268

Lender

Name	FIRST FEDERAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 7, 2021
Property Address	2286 GRAYSTONE DR, SAINT CHARLES, MO 63303-5159
Document Number	2021R074626
Map Reference	MB 23 PG 13&14
Instrument Date	Sep 3, 2021
Instrument	2021R-074626
Transaction Type	Transfer
Record Updated	Sep 29, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	628 WASHINGTON ST, 628, SAINT CHARLES, MO 63301-1850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2286 GRAYSTONE DR, SAINT CHARLES, MO 63303-5159

Mortgage

Document Number	2021R074627
Date	Sep 7, 2021
Instrument	2021R-074627

Lender

Name	CANOPY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2286 GRAYSTONE DR, SAINT CHARLES, MO 63303-5159
Document Number	0073090943
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2286 GRAYSTONE DR ST CHARLES MO 633035159, ST CHARLES, MO 63303-5159

Mortgage

Document Number	0073090943
Date	Jun 2, 2020
Book Page	007309/000943
Instrument	362550

Lender

Name	BANK STAR
Type	Bank
Address	PACIFIC, MO 63069

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$52,803 (-)	$277,908 (-) Land $50,000 Building $227,908
2025	$3,047.00	$52,803 (+13.61%)	$277,908 (+13.61%) Land $50,000 Building $227,908
2023		$46,478
2022			$244,619 Land $50,000 Building $194,619

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.

Flood

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	Severe Storms & Flooding, Jul 1993 · 5 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 289 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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