St. Charles County property record for 3082 Winding River Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,282 sqft · built 1985 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Company Name on File |
| Tax Bill | $4,169 (2024) |
| Deeds & Mortgages | Jul 2022 Line of Credit Mar 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | A850001951 |
| Primary APN | A850001951 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,282 sqft Living Area |
| Gross Area | 3,846 sqft |
| 1st Floor Area | 1,198 sqft |
| Basement Area | 1,084 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 32 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A850001951 |
|---|---|
| Street Address | 3082 WINDING RIVER DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6071 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER BEND EST LOT 33 |
| Legal Subdivision | RIVER BEND EST |
| Legal Lot Number | 33 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 311145 |
3082 Winding River Dr is owned by a company that acquired it in March 2020.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3082 WINDING RIVER DR, SAINT CHARLES, MO 63303-6071 |
| Owner Type | Company |
| Vesting | Borrower in Default |
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 |
|---|---|
| Jul 26, 2022 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Mar 17, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2010 |
| Deed Sale | Apr 21, 2010 |
| Deed Document Number | 2010234280 |
| Deed Book / Page | 5371 / 1737 |
| Last Transfer Date | Mar 11, 2020 |
| Transfer Doc | 0072500416 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3082 WINDING RIVER DR, SAINT CHARLES, MO 63303-6071 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3082 WINDING RIVER DR, SAINT CHARLES, MO 63303-6071 |
| Document Number | 0000041600 |
|---|---|
| Date | Jul 26, 2022 |
| Instrument | 2022R-041600 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 19, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 17, 2020 |
| Property Address | 3082 WINDING RIVER DR, SAINT CHARLES, MO 63303-6071 |
| Document Number | 0072500416 |
| Book / Page | 007250 / 000416 |
| Instrument Date | Mar 11, 2020 |
| Instrument | 163400 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 3082 WINDING RIVER DR ST CHARLES MO 633036071, ST CHARLES, MO 63303-6071 |
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 | $74,446 (-) | $391,822 (-) Land $70,000 Building $321,822 | |
| 2025 | $74,446 | $391,822 Land $70,000 Building $321,822 | |
| 2024 | $4,169.00 | ||
| 2023 | $67,418 (+30.67%) | ||
| 2022 | $3,443.00 | $51,596 | $354,829 (+30.67%) Land $50,000 Building $304,829 |
| 2021 | $271,556 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3082 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 3082 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures