38 Windcastle Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 38 Windcastle Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 6,640 sqft · built 2005
Lot Size	1.82 acres (79,279 sqft)
Owner	2 Individual Names on Record
Tax Bill	$13,623 (2024)
Deeds & Mortgages	Feb 2024 Sale Feb 2024 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A973001362`

Property Details

APN / Parcel Number

Primary APN	`A973001362`
Alternative APN	`3-0132-7619-00-0038.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	6,640 sqft Living Area
Gross Area	8,652 sqft
1st Floor Area	4,351 sqft
Basement Area	3,053 sqft
Finished Basement	2,289 sqft
Unfinished Basement	764 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	79,279 sqft (1.82 acres)
Garage Type	Attached
Garage Area	1,248 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	352 sqft

Location & Zoning

Account Number	A973001362
Street Address	38 WINDCASTLE DR
City	SAINT CHARLES
State	MO
Zip	63304-0447
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDCASTLE #1 LOT 38
Legal Subdivision	WIND CASTLE #1
Legal Lot Number	38
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1011
Census Tract	311132

Owner

Source: St. Charles County records, as of April 2, 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	38 WINDCASTLE DR, SAINT CHARLES, MO 63304-0447
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Warranty Deed, Transfer NOT AVAILABLE, UST
Feb 27, 2024	Beneficiary Deed, Transfer
Jan 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage FRONTIER FINANCIAL INC
Sep 23, 2021	Deed of Trust, Mortgage · Commercial Mortgage MIDLAND STATES BANK
Nov 22, 2017	Warranty Deed, Transfer · Conventional Mortgage FRONTIER FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2024
Deed Sale	Feb 27, 2024
Prior Sale	Nov 22, 2017 · Amount on Record
Deed Document Number	20247248
Prior Transfer Date	Feb 15, 2024
Prior Transfer Doc	0000007249
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 27, 2024
Property Address	38 WINDCASTLE DR, SAINT CHARLES, MO 63304-0447
Document Number	0000007248
Map Reference	MB 33 PG 331
Instrument Date	Feb 15, 2024
Instrument	2024R-007248
Transaction Type	Transfer
Record Updated	Mar 11, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 UPPER WHITMOOR DR, WELDON SPRING, MO 63304-0541

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	38 WINDCASTLE DR, SAINT CHARLES, MO 63304-0447

February 2024: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 27, 2024
Property Address	38 WINDCASTLE DR, SAINT CHARLES, MO 63304-0447
Document Number	0000007249
Map Reference	MB 33 PG 331
Instrument Date	Feb 15, 2024
Instrument	2024R-007249
Transaction Type	Transfer
Record Updated	Mar 11, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38 WINDCASTLE DR, SAINT CHARLES, MO 63304-0447

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38 WINDCASTLE DR, SAINT CHARLES, MO 63304-0447

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	38 WINDCASTLE DR, SAINT CHARLES, MO 63304-0447
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	STELLAR TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040570
Date	Jan 23, 2018
Book Page	6870/0151
Instrument	20180123000040570

Lender

Name	FRONTIER FINANCIAL INC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	38 WINDCASTLE DR, SAINT CHARLES, MO 63304-0447
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079874
Date	Sep 23, 2021
Instrument	2021R-079874

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	SAINT LOUIS, MO 63119

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 22, 2017
Property Address	38 WINDCASTLE DR, SAINT CHARLES, MO 63304-0447
Document Number	0000728990
Book / Page	6843 / 0268
Map Reference	MB 33 PG 331
Instrument Date	Nov 17, 2017
Instrument	20171122000728990
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 WINDCASTLE DR, SAINT CHARLES, MO 63304-0447

Mortgage

Document Number	0000729000
Date	Nov 22, 2017
Instrument	20171122000729000

Lender

Name	FRONTIER FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$252,772 (+10.23%)	$1,330,384 (+10.23%) Land $165,000 Building $1,165,384
2024	$13,623.00
2023		$229,311
2022			$1,206,900 Land $165,000 Building $1,041,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jan 2016 · 5 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 3 claims Severe Storms & Flooding, Sep 1993 · 9 claims

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

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	0.02% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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