St. Charles County property record for 25 Windcastle Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 5 ba · 6,439 sqft · built 2004 |
| Lot Size | 0.72 acres (31,363 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,131,200 (Jul 2026) |
| Tax Bill | $13,209 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | A973001349 |
| Primary APN | A973001349 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 6,439 sqft Living Area |
| Gross Area | 8,009 sqft |
| 1st Floor Area | 3,577 sqft |
| Basement Area | 3,577 sqft |
| Finished Basement | 2,862 sqft |
| Unfinished Basement | 715 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Exterior Material | Stone |
| Lot Area | 31,363 sqft (0.72 acres) |
| Garage Type | Attached |
| Garage Area | 855 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 276 sqft |
| Account Number | A973001349 |
|---|---|
| Street Address | 25 WINDCASTLE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-0446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINDCASTLE #1 LOT 25 |
| Legal Subdivision | WIND CASTLE #1 |
| Legal Lot Number | 25 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311132 |
25 Windcastle Dr is owner-occupied and held in a trust since July 2026.
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 25 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jul 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage COMMERCE BANK |
| Jul 15, 2026 | Affidavit, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2026 · Amount on File |
| Deed Sale | Jul 15, 2026 · Amount on File |
| Prior Sale | Mar 24, 2020 |
| Deed Document Number | 202633369 |
| Prior Transfer Date | Feb 19, 2020 |
| Prior Transfer Doc | 0000181460 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 15, 2026 |
| Property Address | 25 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446 |
| Document Number | 0000033369 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 202633369 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | FOUNDERS TITLE COMPANY, FOUNDERS TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 25 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446 |
| Document Number | 0000033370, |
|---|---|
| Date | Jul 15, 2026 |
| Instrument | 202633370 |
| Name | COMMERCE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 15, 2026 |
| Property Address | 25 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446 |
| Document Number | 0000033368 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 202633368 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 25 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446 |
The 2025 property tax bill for 25 Windcastle Dr was $13,209.
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 | $223,738 (-) | $1,177,570 (-) Land $150,000 Building $1,027,570 | |
| 2025 | $13,209.00 | $223,738 | $1,177,570 Land $150,000 Building $1,027,570 |
| 2023 | $200,945 (+16.4%) | ||
| 2022 | $11,038.00 | $172,639 | $1,057,604 (+16.4%) Land $150,000 Building $907,604 |
| 2021 | $908,625 Land $150,000 Building $758,625 |
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.
FEMA maps place 25 Windcastle Dr in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1979.
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.
Wildfire risk around 25 Windcastle Dr is low, with a 0.03% annual chance of wildfire.
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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