St. Charles County property record for 3101 Windswept Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,529 sqft · built 1984 |
| Lot Size | 0.268 acres (11,660 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $203,400 (Mar 2020) |
| Tax Bill | $3,083 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 484650A093 |
| Primary APN | 484650A093 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,529 sqft Living Area |
| Gross Area | 3,182 sqft |
| 1st Floor Area | 1,529 sqft |
| Basement Area | 1,170 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,660 sqft (0.268 acres) |
| Lot Dimensions | 110 ft deep x 106 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 70 sqft |
| Deck Area | Deck Area |
| Patio Area | 225 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 484650A093 |
|---|---|
| Street Address | 3101 WINDSWEPT DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | NORTH WILLOW WOOD EST #3 LOT 89 |
| Legal Subdivision | NORTH WILLOW WOOD EST #3 |
| Legal Lot Number | 89 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 311147 |
Source: St. Charles County records, as of November 25, 2025
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 | 3101 WINDSWEPT DR, SAINT CHARLES, MO 63303-6449 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2020 | Deed of Trust, Mortgage GERSHMAN MTG |
| Mar 5, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP |
| Jun 27, 2017 | Warranty Deed, Transfer · Conventional Mortgage SELECT TITLE GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 5, 2020 · Amount on Record |
| Deed Sale | Mar 5, 2020 · Amount on Record |
| Prior Sale | Jun 27, 2017 · Amount on Record |
| Deed Document Number | 2020137070 |
| Deed Book / Page | 7243 / 532 |
| Prior Transfer Date | Feb 24, 2020 |
| Prior Transfer Doc | 0072430532 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3101 WINDSWEPT DR, SAINT CHARLES, MO 63303-6449 |
| Document Number | 0000082414 |
| Instrument Date | Oct 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2021 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3101 WINDSWEPT DR ST CHARLES MO 633036449, ST CHARLES, MO 63303-6449 |
| Document Number | 0000082414 |
|---|---|
| Date | Oct 28, 2020 |
| Instrument | 82414 |
| Name | GERSHMAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 27, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 5, 2020 |
| Property Address | 3101 WINDSWEPT DR, SAINT CHARLES, MO 63303-6449 |
| Document Number | 0072430532 |
| Book / Page | 7243 / 532 |
| Map Reference | MB 21 PG 76 |
| Instrument Date | Feb 24, 2020 |
| Instrument | 20200305000137070 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3101 WINDSWEPT DR, SAINT PETERS, MO 63303-6449 |
| Document Number | 20200305000137080 |
|---|---|
| Date | Mar 5, 2020 |
| Instrument | 20200305000137080 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 27, 2017 |
| Property Address | 3101 WINDSWEPT DR, SAINT CHARLES, MO 63303-6449 |
| Document Number | 0067651650 |
| Book / Page | 6765 / 1650 |
| Map Reference | MB 21 PG 76 |
| Instrument Date | Jun 22, 2017 |
| Instrument | 20170627000392800 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Title Company | SELECT TITLE GROUP |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3101 WINDSWEPT DR, 3101, SAINT CHARLES, MO 63303-6449 |
| Name | Verified Name |
|---|---|
| Address | 3101 WINDSWEPT DR, SAINT CHARLES, MO 63303-6449 |
| Document Number | , 20170627000392810 |
|---|---|
| Date | Jun 27, 2017 |
| Instrument | 20170627000392810 |
| Type | Mortgage Company |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
Source: St. Charles County assessment roll, as of August 13, 2025
| 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 |
|---|---|---|---|
| 2025 | $3,083.00 (+4.4%) | $51,253 (+7.63%) | $269,753 (+7.63%) Land $48,000 Building $221,753 |
| 2024 | $2,953.00 | ||
| 2023 | $47,618 | ||
| 2022 | $250,623 Land $48,000 Building $202,623 |
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 | 2 (1982–1983) |
| Most Recent Claim | Apr 1983 · rainfall accumulation |
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 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 378 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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