4098 Castlio Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4098 Castlio Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,279 sqft · built 1986
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$239,000 (May 2018)
Tax Bill	$4,170 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A850003137`

Property Details

APN / Parcel Number

Primary APN	`A850003137`
Alternative APN	`3-0036-5812-00-0001.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,279 sqft Living Area
Gross Area	3,707 sqft
1st Floor Area	1,271 sqft
Basement Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Bi-Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A850003137
Street Address	4098 CASTLIO DR
City	SAINT CHARLES
State	MO
Zip	63304-6942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STAFFORD EST LOT 1
Legal Subdivision	STAFFORD EST
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2001
Census Tract	311150

Owner

4098 Castlio Dr is owned and occupied by two individuals who bought it in May 2018.

Source: St. Charles County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4098 CASTLIO DR, SAINT CHARLES, MO 63304-6942
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit GUILD MORTGAGE COMPANY
Mar 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 22, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2018 · Amount on File
Deed Sale	May 22, 2018 · Amount on File
Prior Sale	Feb 4, 2013 · Amount on File
Deed Document Number	2018280640
Deed Book / Page	6922 / 153
Prior Transfer Date	May 15, 2018
Prior Transfer Doc	0069220153
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Sep 8, 2026
Property Address	4098 CASTLIO DR, SAINT CHARLES, MO 63304-6942
Document Number	0000042842
Instrument Date	Sep 1, 2026
Instrument	202642842
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4098 CASTLIO DR, SAINT CHARLES, MO 63304-6942

Mortgage

Document Number	0000042842,
Date	Sep 8, 2026
Instrument	202642842

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 29, 2046

Interest

Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4098 CASTLIO DR, SAINT CHARLES, MO 63304-6942
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072520454
Date	Mar 20, 2020
Book Page	7252/454
Instrument	20200320000171050

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2035

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	May 22, 2018
Property Address	4098 CASTLIO DR, SAINT CHARLES, MO 63304-6942
Document Number	0069220153
Book / Page	6922 / 0153
Map Reference	MB 24 PG 28
Instrument Date	May 15, 2018
Instrument	20180522000280640
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4098 CASTLIO DR, SAINT CHARLES, MO 63304-6942

Mortgage

Document Number	20180522000280650
Date	May 22, 2018
Instrument	20180522000280650

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 4098 Castlio Dr was $4,170, up 11.8% from the year before.

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		$70,314 (-)	$370,074 (-) Land $67,500 Building $302,574
2025	$4,170.00 (+11.83%)	$70,314	$370,074 Land $67,500 Building $302,574
2024	$3,729.00
2023		$62,423
2022			$328,540 Land $58,500 Building $270,040

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

FEMA maps place 4098 Castlio Dr in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 4098 Castlio Dr is low, with less than a 0.01% annual chance of wildfire.

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	None beyond ember reach

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 366 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

May also be available: Wisper ISP.

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