St. Charles County property record for 31 Windcastle Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 6 ba · 4,059 sqft · built 1999 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $700,000 (Jun 2016) |
| Tax Bill | $11,607 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A973001355 |
| Primary APN | A973001355 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 6,083 sqft Living Area |
| Gross Area | 7,152 sqft |
| 1st Floor Area | 2,363 sqft |
| Basement Area | 2,323 sqft |
| Finished Basement | 2,024 sqft |
| Unfinished Basement | 299 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Lot Area | 26,136 sqft (0.6 acres) |
| Garage Type | Attached |
| Garage Area | 770 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 35 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A973001355 |
|---|---|
| Street Address | 31 WINDCASTLE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-0446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINDCASTLE #1 LOT 31 |
| Legal Subdivision | WIND CASTLE #1 |
| Legal Lot Number | 31 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311132 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 31 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2016 · Amount on Record |
| Deed Sale | Jun 28, 2016 · Amount on Record |
| Prior Sale | Mar 19, 1999 · Amount on Record |
| Deed Document Number | 2016400360 |
| Deed Book / Page | 6564 / 541 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 31 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 31 WINDCASTLE DR, SAINT CHARLES, MO 63304-0446 |
| Document Number | 2021R094261 |
|---|---|
| Date | Nov 17, 2021 |
| Instrument | 2021R-094261 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
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 | $196,549 (-) | $1,034,465 (-) Land $150,000 Building $884,465 | |
| 2025 | $11,607.00 | $196,549 (+9.37%) | $1,034,465 (+9.37%) Land $150,000 Building $884,465 |
| 2023 | $179,703 | ||
| 2022 | $945,802 Land $150,000 Building $795,802 |
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.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 166 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
5G (outdoors only) and 4G LTE
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