2297 Graystone Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2297 Graystone Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,011 sqft · built 2002
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Mar 2019)
Tax Bill	$4,183 (2025)
Deeds & Mortgages	May 2020 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T030900076`

Property Details

APN / Parcel Number

Primary APN	`T030900076`
Alternative APN	`3-0161-9122-00-000A.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,011 sqft Living Area
1st Floor Area	2,011 sqft
Basement Area	1,967 sqft
Finished Basement	1,035 sqft

Exterior

Year Built	Built 2002
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	276 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T030900076
Old Parcel Number	T030900076
Street Address	2297 GRAYSTONE DR
City	SAINT CHARLES
State	MO
Zip	63303-5177
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COX SUB LOT A
Legal Range	04E
Legal Township	46N
Legal Subdivision	COX SUB
Legal Lot Number	A
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	3
Census Block	3018
Census Tract	310902

Owner

2297 Graystone Dr is owned and occupied by an individual who bought it in March 2019.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2297 GRAYSTONE DR, SAINT CHARLES, MO 63303-5177
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.

Deeds, Mortgages & Sale History

Date	Document
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 28, 2020	Deed of Trust, Mortgage GUILD MTG
Mar 4, 2019	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Dec 3, 2018	Grant Deed, Transfer · Line of Credit BDS 44 LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2019 · Amount on File
Deed Sale	Mar 4, 2019 · Amount on File
Prior Sale	Dec 3, 2018
Deed Document Number	0007042790
Deed Book / Page	7042 / 790
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2297 GRAYSTONE DR, SAINT CHARLES, MO 63303-5177
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072902240
Date	May 8, 2020
Book Page	7290/2240
Instrument	20200508000298640

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2035

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2297 GRAYSTONE DR, SAINT CHARLES, MO 63303-5177
Document Number	0000086162
Instrument Date	Oct 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5887 COPLEY DR SAN DIEGO CA 921117906, SAN DIEGO, CA 92111-7906

Mortgage

Document Number	0000086162
Date	Nov 9, 2020
Instrument	86162

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount on Record
Term	180 Months
Due	Nov 8, 2035

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 4, 2019
Property Address	2297 GRAYSTONE DR, SAINT CHARLES, MO 63303-5177
Document Number	0070420790
Book / Page	7042 / 0790
Map Reference	MB 39 PG 157
Instrument Date	Feb 28, 2019
Instrument	20190304000094650
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7742 ARDMORE DR, 7742, O FALLON, MO 63368-6789

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2297 GRAYSTONE DR, SAINT CHARLES, MO 63303-5177

Mortgage

Document Number	20190304000094660
Date	Mar 4, 2019
Instrument	20190304000094660

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2034

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 3, 2018
Property Address	2297 GRAYSTONE DR, SAINT CHARLES, MO 63303-5177
Document Number	0070091637
Book / Page	007009 / 001637
Instrument Date	Dec 3, 2018
Instrument	674980
Transaction Type	Transfer
Record Updated	Dec 27, 2018
Title Company	STATE LOUIS COMPANY TITLE (SLCTC), STL

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7742 ARDMORE DR O FALLON MO 633686789, O FALLON, MO 63368-6789

Mortgage

Document Number	70091639
Date	Dec 3, 2018
Book Page	007009/001639
Instrument	674990

Lender

Name	BDS 44 LLC
Address	ST CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2297 Graystone Dr was $4,183.

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$4,183.00	$72,688	$382,567 Land $50,000 Building $332,567
2023		$80,282
2022			$422,535 Building $422,535

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

FEMA maps place 2297 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

Wildfire risk around 2297 Graystone Dr is low, with less than 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 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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