29 Graystone Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 29 Graystone Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,445 sqft · built 1984
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Company Names on Record
Last Sale	$191,000 (Nov 2005)
Tax Bill	$4,374 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`451170A015`

Property Details

APN / Parcel Number

Primary APN	`451170A015`
Alternative APN	`3-0161-5650-00-0015.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,445 sqft Living Area
Gross Area	4,401 sqft
1st Floor Area	1,427 sqft
Basement Area	1,326 sqft
Finished Basement	994 sqft
Unfinished Basement	332 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	105 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	451170A015
Street Address	29 GRAYSTONE CT
City	SAINT CHARLES
State	MO
Zip	63303-5163
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	GRAYSTONE #1 LOT 15
Legal Subdivision	GRAYSTONE
Legal Lot Number	15
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1017
Census Tract	310902

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	29 GRAYSTONE CT, SAINT CHARLES, MO 63303-5163
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2005 · Amount on Record
Deed Sale	Nov 17, 2005 · Amount on Record
Deed Document Number	20051107450
Deed Book / Page	4350 / 837
Last Transfer Date	Aug 23, 2024
Transfer Doc	0000035430
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Aug 20, 2026
Property Address	29 GRAYSTONE CT, SAINT CHARLES, MO 63303-5163
Document Number	0000039917
Instrument Date	Aug 10, 2026
Instrument	202639917
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	29 GRAYSTONE CT, SAINT CHARLES, MO 63303-5163

Mortgage

Document Number	0000039917,
Date	Aug 20, 2026
Instrument	202639917

Lender

Name	BUSEY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 10, 2046

Interest

Max Rate	-1%

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		$73,046 (-)	$384,453 (-) Land $50,000 Building $334,453
2025	$4,374.00	$73,046 (+13.72%)	$384,453 (+13.72%) Land $50,000 Building $334,453
2023		$64,231
2022			$338,059 Land $50,000 Building $288,059

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 98% of the US · lower than 96% 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 616 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20