1. Home
  2. Missouri
  3. St. Charles County
  4. Saint Charles
  5. Towers Rd

4041 Towers Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4041 Towers Rd, Saint Charles, MO 63304 · Last verified March 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 960 sqft · built 1942
Lot Size0.41 acres (17,860 sqft)
OwnerIndividual Name on File
Tax Bill$1,976 (2025)
Deeds & MortgagesNov 2025 Mortgage
Jan 2024 Sale
Flood ZoneZone X (minimal risk)
APNT991100006

Property Details

APN / Parcel Number

Primary APNT991100006
Alternative APN
  • 3-0041-7954-00-0002.0000000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area960 sqft Living Area
1st Floor Area960 sqft
Basement Area960 sqft

Exterior

Year BuiltBuilt 1942
Architectural StyleRanch
Exterior MaterialComposition/Composite
Lot Area17,860 sqft (0.41 acres)
Garage TypeAttached
Garage Area624 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area192 sqft

Utilities, Heating & Cooling

SewerConnected

Location & Zoning

Account NumberT991100006
Old Parcel NumberT991100006
Street Address4041 TOWERS RD
CitySAINT CHARLES
StateMO
Zip63304-7463
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionISBELLS PL LOT 2
Legal Range04E
Legal Township46N
Legal SubdivisionISBELLS PL
Legal Lot Number2
JurisdictionST CHARLES MO
Township / Civil DivisionHARVESTER
Census Block Group1
Census Block1006
Census Tract311132

Owner

Source: St. Charles County records · APN T991100006

Assessment roll updated July 1, 2025 · Last verified March 2026

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address4041 TOWERS RD, SAINT CHARLES, MO 63304-7463
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 03, 2025Warranty Deed, Transfer · FHA Mortgage
FLAT BRANCH HOME LOANS INC
Jan 02, 2024Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 03, 2025
Deed SaleNov 03, 2025
Prior SaleJan 02, 2024
Deed Document Number2025R-049288
Record UpdatedJun 08, 2026

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateNov 03, 2025
Property Address4041 TOWERS RD, SAINT CHARLES, MO 63304-7463
Document Number0000049288
Map ReferenceMB 35 PG 28
Instrument DateOct 31, 2025
Instrument2025R-049288
Transaction TypeTransfer
Record UpdatedNov 18, 2025
Title CompanyTITLE PARTNERS AGENCY LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address820 RAMBLING PINE DR, SAINT CHARLES, MO 63303-6658

Transferred To (Grantee/Buyer)

NameVerified Name
Address4041 TOWERS RD, SAINT CHARLES, MO 63304-7463

Mortgage

Document Number0000049289
DateNov 03, 2025
Instrument2025R-049289
Lender
NameFLAT BRANCH HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2055

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateJan 02, 2024
Property Address4041 TOWERS RD, SAINT CHARLES, MO 63304-7463
Document Number0000000018
Map ReferenceMB 35 PG 28
Instrument DateDec 27, 2023
Instrument2024R-000018
Transaction TypeTransfer
Record UpdatedNov 18, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Notice of Trustee Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1743 SCHERER PKWY, SAINT CHARLES, MO 63303-3819

Transferred To (Grantee/Buyer)

NameVerified Name
Address4041 TOWERS RD, SAINT CHARLES, MO 63304-7463

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,976.00$33,065 (+7.85%)$174,026 (+7.85%) Land $65,000 Building $109,026
2023$30,658
2022$161,356 Land $60,000 Building $101,356

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111321, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims26 (1979–2019)
Claims Outside the SFHA1 of 26
Most Recent ClaimJun 2019, river or lake flooding, Severe Storms, Tornadoes, And Flooding
Claims By Storm
  • 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

Wildfire

Wildfire RiskLow
above 5% of the US · above 7% of Missouri
Wildfire LikelihoodAbout 1 in 5,882 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 377 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20

May also be available at this address: AT&T, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Nearby Properties on Towers Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures