41 Windcastle Pl, Saint Charles, MO 63304 Property Records

St. Charles County property record for 41 Windcastle Pl, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,818 sqft · built 1999
Lot Size	0.67 acres (29,185 sqft)
Owner	Individual Name on Record
Last Sale	$803,300 (Dec 2003)
Tax Bill	$9,856 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit May 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A973001628`

Property Details

APN / Parcel Number

Primary APN	`A973001628`
Alternative APN	`3-0132-7619-00-0041.0000000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,818 sqft Living Area
Gross Area	6,607 sqft
1st Floor Area	3,818 sqft
Basement Area	1,978 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	29,185 sqft (0.67 acres)
Garage Type	Attached
Garage Area	811 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	Deck Area
Patio Area	375 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001628
Street Address	41 WINDCASTLE PL
City	SAINT CHARLES
State	MO
Zip	63304-0456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDCASTLE #1 LOT 41
Legal Subdivision	WIND CASTLE #1
Legal Lot Number	41
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 August 7, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	41 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2025	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
May 1, 2024	Beneficiary Deed, Transfer
Mar 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2003 · Amount on Record
Deed Sale	Dec 29, 2003 · Amount on Record
Prior Sale	Jun 15, 1999 · Amount on Record
Deed Document Number	20031768080
Deed Book / Page	3746 / 39
Last Transfer Date	Apr 25, 2024
Transfer Doc	0000016704
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	41 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 WINDOASTLE PL, WELDON SPRING, MO 63304-0456

Mortgage

Document Number	0000054907
Date	Dec 8, 2025
Instrument	2025R-054907

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2024: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 1, 2024
Property Address	41 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Document Number	0000016704
Map Reference	MB 33 PG 331
Instrument Date	Apr 25, 2024
Instrument	2024R-016704
Transaction Type	Transfer
Record Updated	May 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1478 BRITTANY CV, SAINT CHARLES, MO 63304-7163

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	41 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072461079
Date	Mar 11, 2020
Book Page	7246/1079
Instrument	20200311000149760

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

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		$171,037 (+2.52%)	$900,196 (+2.52%) Land $150,000 Building $750,196
2025	$9,856.00 (+5.05%)	$166,829 (+5.74%)	$878,047 (+5.74%) Land $150,000 Building $728,047
2024	$9,382.00
2023		$157,768
2022			$830,354 Land $150,000 Building $680,354

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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