26 Windcastle Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 26 Windcastle Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 5,760 sqft · built 1999
Lot Size	0.68 acres (29,621 sqft)
Owner	Company Name on Record
Last Sale	$575,700 (Sep 2026)
Tax Bill	$9,520 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A973001350`

Property Details

APN / Parcel Number

Primary APN	`A973001350`
Alternative APN	`3-0132-7619-00-0026.0000000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	5,760 sqft Living Area
Gross Area	8,489 sqft
1st Floor Area	3,840 sqft
Basement Area	3,840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	29,621 sqft (0.68 acres)
Garage Type	Attached
Garage Area	809 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	Deck Area
Patio Area	516 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001350
Street Address	26 WINDCASTLE DR
City	SAINT CHARLES
State	MO
Zip	63304-0446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDCASTLE #1 LOT 26
Legal Subdivision	WIND CASTLE #1
Legal Lot Number	26
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311132

Owner

Source: St. Charles County records, as of September 11, 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	Company Name on Record
Mailing Address	26 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CREDIT UNION
Jul 1, 2022	Intrafamily Transfer, Transfer
Sep 21, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
May 20, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2026 · Amount on Record
Deed Sale	Sep 1, 2026 · Amount on Record
Prior Sale	Aug 19, 2025 · Amount on Record
Deed Document Number	202641916
Prior Transfer Date	Sep 15, 2021
Prior Transfer Doc	2021R079032
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 1, 2026
Property Address	26 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	0000041916
Instrument Date	Aug 28, 2026
Instrument	202641916
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
Relationship	Family Trust
Address	26 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446

Mortgage

Document Number	0000041917,
Date	Sep 1, 2026
Instrument	202641917

Lender

Name	FIRST COMMUNITY CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jul 1, 2022
Property Address	26 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	0000036960
Map Reference	MB 33 PG 331
Instrument Date	Jun 28, 2022
Instrument	2022R-036960
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	26 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 21, 2021
Property Address	26 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	2021R079032
Map Reference	MB 33 PG 331
Instrument Date	Sep 15, 2021
Instrument	2021R-079032
Transaction Type	Transfer
Record Updated	Oct 4, 2021
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	26 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446

Mortgage

Document Number	2021R079033
Date	Sep 21, 2021
Instrument	2021R-079033

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 10, 2019
Property Address	26 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	0071030831
Book / Page	007103 / 000831
Instrument Date	Jun 12, 2019
Instrument	349010
Transaction Type	Transfer
Record Updated	Jul 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	26 WINDCASTLE DR ST CHARLES MO 633040446, ST CHARLES, MO 63304-0446

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	26 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446
Document Number	0067491142
Book / Page	006749 / 001142
Instrument Date	May 20, 2017
Transaction Type	Mortgage
Record Updated	Jun 2, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26 WINDCASTLE DR ST CHARLES MO 633040446, ST CHARLES, MO 63304-0446

Mortgage

Document Number	0067491142
Date	May 25, 2017
Book Page	006749/001142
Instrument	322610

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 24, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$161,119 (-)	$847,996 (-) Land $150,000 Building $697,996
2025	$9,520.00 (-1.65%)	$161,119 (-1.04%)	$847,996 (-1.04%) Land $150,000 Building $697,996
2024	$9,680.00
2023		$162,807
2022			$856,876 Land $150,000 Building $706,876

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
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	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jan 2016 · 5 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 3 claims Severe Storms & Flooding, Sep 1993 · 9 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Cell Coverage

5G and 4G LTE (outdoors only)

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