St. Charles County property record for 3077 Winding River Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,860 sqft · built 1985 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $271,300 (Jun 2016) |
| Tax Bill | $3,840 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A850001950 |
| Primary APN | A850001950 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,860 sqft Living Area |
| Gross Area | 3,368 sqft |
| 1st Floor Area | 1,048 sqft |
| Basement Area | 980 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 65 sqft |
| Patio Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A850001950 |
|---|---|
| Street Address | 3077 WINDING RIVER DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER BEND EST LOT 32 |
| Legal Subdivision | RIVER BEND EST |
| Legal Lot Number | 32 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 311145 |
3077 Winding River Dr is owned and occupied by two individuals who bought it in June 2016.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3077 WINDING RIVER DR, SAINT CHARLES, MO 63303-6055 |
| 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.
| Date | Document |
|---|---|
| May 27, 2022 | Deed of Trust, Mortgage · Line of Credit NEIGHBORS CU |
| May 21, 2020 | Deed of Trust, Mortgage NEIGHBORS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2016 · Amount on File |
| Deed Sale | Jun 17, 2016 · Amount on File |
| Prior Sale | Feb 7, 2008 · Amount on File |
| Deed Document Number | 2016374990 |
| Deed Book / Page | 6558 / 887 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3077 WINDING RIVER DR, SAINT CHARLES, MO 63303-6055 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 3077 WINDING RIVER DR, SAINT CHARLES, MO 63303-6055 |
| Document Number | 0000030090 |
|---|---|
| Date | May 27, 2022 |
| Instrument | 2022R-030090 |
| Name | NEIGHBORS CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63123 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 26, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3077 WINDING RIVER DR, SAINT CHARLES, MO 63303-6055 |
| Document Number | 0073101599 |
| Instrument Date | May 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3077 WINDING RIVER DR ST CHARLES MO 633036055, ST CHARLES, MO 63303-6055 |
| Document Number | 0073101599 |
|---|---|
| Date | Jun 3, 2020 |
| Book Page | 007310/001599 |
| Instrument | 366510 |
| Name | NEIGHBORS CU |
|---|---|
| Address | SAINT PETERS, MO 63376 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jun 2, 2035 |
The 2025 property tax bill for 3077 Winding River Dr was $3,840.
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 | $63,946 (-) | $336,556 (-) Land $70,000 Building $266,556 | |
| 2025 | $3,840.00 | $63,946 | $336,556 Land $70,000 Building $266,556 |
| 2023 | $57,434 | ||
| 2022 | $302,285 Land $50,000 Building $252,285 |
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 3077 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.
Wildfire risk around 3077 Winding River 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.
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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