St. Charles County property record for 3048 Winding River Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,729 sqft · built 1985 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,577 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | A860001882 |
| Primary APN | A860001882 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,729 sqft Living Area |
| Gross Area | 3,677 sqft |
| 1st Floor Area | 1,584 sqft |
| Basement Area | 1,526 sqft |
| Finished Basement | 1,145 sqft |
| Unfinished Basement | 381 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 567 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | Deck Area |
| Patio Area | 948 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A860001882 |
|---|---|
| Street Address | 3048 WINDING RIVER DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6070 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER BEND EST #2 LOT 59 |
| Legal Subdivision | RIVER BEND EST #2 |
| Legal Lot Number | 59 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 311145 |
3048 Winding River Dr is owned by two individuals who acquired it in April 2007.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1040 VALLEY DR, BRISTOL, VA 24201-2866 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2007 |
| Deed Sale | Apr 20, 2007 |
| Prior Sale | Jan 10, 2003 · Amount on File |
| Deed Document Number | 2007325580 |
| Deed Book / Page | 4735 / 1416 |
| Prior Transfer Date | Dec 16, 2002 |
| Prior Transfer Doc | 0000005241 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 3048 Winding River Dr was $3,577.
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 | $59,538 (-) | $313,358 (-) Land $70,000 Building $243,358 | |
| 2025 | $3,577.00 | $59,538 | $313,358 Land $70,000 Building $243,358 |
| 2023 | $53,808 | ||
| 2022 | $283,202 Land $50,000 Building $233,202 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3048 Winding River Dr in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1978.
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 | 46 (1978–2024) |
| Claims Outside the SFHA | 28 of 46 |
| Most Recent Claim | Jul 2024 · rainfall accumulation |
| 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.
The area around 3048 Winding River Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 391 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
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