40 Windcastle Pl, Saint Charles, MO 63304 Property Records

St. Charles County property record for 40 Windcastle Pl, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 6,480 sqft · built 1999
Lot Size	0.87 acres (37,897 sqft)
Owner	2 Company Names on Record
Last Sale	$1,350,000 (May 2022)
Tax Bill	$14,113 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A973001627`

Property Details

APN / Parcel Number

Primary APN	`A973001627`
Alternative APN	`3-0132-7619-00-0040.0000000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	6,480 sqft Living Area
Gross Area	7,874 sqft
1st Floor Area	2,746 sqft
Basement Area	2,732 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	37,897 sqft (0.87 acres)
Garage Type	Attached
Garage Area	902 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	208 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001627
Street Address	40 WINDCASTLE PL
City	SAINT CHARLES
State	MO
Zip	63304-0456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDCASTLE #1 LOT 40
Legal Subdivision	WIND CASTLE #1
Legal Lot Number	40
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1008
Census Tract	311132

Owner

Source: St. Charles County records, as of September 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	40 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage HOMETAP EQUITY PARTNERS LLC
Dec 31, 2025	Intrafamily Transfer, Transfer
May 11, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2022 · Amount on Record
Deed Sale	May 11, 2022 · Amount on Record
Prior Sale	Jun 27, 2014
Deed Document Number	202226894
Last Transfer Date	Dec 31, 2025
Transfer Doc	0000058893
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	40 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 WINDCASTLE PL, WELDON SPRING, MO 63304-0456

Mortgage

Document Number	0000007247
Date	Feb 18, 2026
Instrument	2026R-007247

Lender

Name	HOMETAP EQUITY PARTNERS LLC
Type	Mortgage Company
Address	BOSTON, MA 02116

Agreement

Amount	Amount Recorded

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Dec 31, 2025
Property Address	40 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Document Number	0000058893
Map Reference	MB 33 PG 331
Instrument Date	Dec 31, 2025
Instrument	2025R-058893
Transaction Type	Transfer
Record Updated	Jan 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	40 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 11, 2022
Property Address	40 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Document Number	0000026894
Map Reference	MB 33 PG 331
Instrument Date	May 9, 2022
Instrument	2022R-026894
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	CENTERRE TITLE SERVICES LIMITED, CTS

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 CEDAR JUNCTION LN, WELDON SPRING, MO 63304-0326

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	40 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456

Mortgage

Document Number	0000026895
Date	May 11, 2022
Instrument	2022R-026895

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$239,076 (-)	$1,258,292 (-) Land $150,000 Building $1,108,292
2025	$14,113.00 (+18.99%)	$239,076 (+8.92%)	$1,258,292 (+8.92%) Land $150,000 Building $1,108,292
2023		$219,505 (+18.3%)
2022	$11,861.00	$185,542	$1,155,290 (+18.3%) Land $150,000 Building $1,005,290
2021			$976,537 Land $150,000 Building $826,537

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.

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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