4170 Wincliff Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4170 Wincliff Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,762 sqft · built 1984
Lot Size	2.74 acres (119,376 sqft)
Owner	2 Company Names on Record
Last Sale	$455,600 (Oct 2021)
Tax Bill	$3,559 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A850000263`

Property Details

APN / Parcel Number

Primary APN	`A850000263`
Alternative APN	`3-0040-S028-00-0007.3000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,762 sqft Living Area
Gross Area	4,092 sqft
1st Floor Area	2,105 sqft
Basement Area	1,330 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	119,376 sqft
Garage Type	Detached
Garage Area	978 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	A850000263
Street Address	4170 WINCLIFF DR
City	SAINT CHARLES
State	MO
Zip	63304-7465
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW 1/4
Legal Range	4
Legal Township	46
Legal Section	02
Legal Subdivision	CARL E ERTZ
Legal Tract	1
Legal Lot Number	7
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1000
Census Tract	311132

Owner

Source: St. Charles County records, as of September 10, 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	4170 WINCLIFF DR, SAINT CHARLES, MO 63304-7465
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUSTED FINANCIAL SERVICES INC
Oct 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 24, 2020	Warranty Deed, Transfer AMERICAN MTG CORP
Oct 16, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2021 · Amount on Record
Deed Sale	Oct 15, 2021 · Amount on Record
Prior Sale	Nov 24, 2020 · Amount on Record
Deed Document Number	202185671
Last Transfer Date	May 16, 2025
Transfer Doc	0000021290
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 15, 2021
Property Address	4170 WINCLIFF DR, SAINT CHARLES, MO 63304-7465
Document Number	2021R085671
Map Reference	MB 3 PG 149
Instrument Date	Oct 8, 2021
Instrument	2021R-085671
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	NOT AVAILABLE, ETC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 SIGNAL HILL CT, 6, SAINT CHARLES, MO 63301-0589

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3920 CEDABRCH DRIVE, DALLAS, TX 75229

Mortgage

Document Number	2021R085672
Date	Oct 15, 2021
Instrument	2021R-085672

Lender

Name	TRUSTED FINANCIAL SERVICES INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4170 WINCLIFF DR, SAINT CHARLES, MO 63304-7465
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069852307
Date	Oct 3, 2018
Book Page	6985/2307
Instrument	20181003000566830

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Sep 18, 2028

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 24, 2020
Property Address	4170 WINCLIFF DR, SAINT CHARLES, MO 63304-7465
Document Number	0000091506
Instrument Date	Nov 19, 2020
Instrument	91506
Transaction Type	Transfer
Record Updated	Mar 5, 2021
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4200 WINCLIFF DR ST CHARLES MO 633047464, ST CHARLES, MO 63304-7464

Mortgage

Document Number	91507
Date	Nov 24, 2020
Instrument	91507

Lender

Name	AMERICAN MTG CORP
Address	SAINT LOUIS, MO 63114

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 16, 2018
Property Address	4170 WINCLIFF DR, SAINT CHARLES, MO 63304-7465
Document Number	0069900694
Book / Page	006990 / 000694
Instrument Date	Oct 15, 2018
Instrument	588440
Transaction Type	Transfer
Record Updated	Nov 1, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4170 WINCLIFF DR ST CHARLES MO 633047465, ST CHARLES, MO 63304-7465

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		$60,794 (+0.64%)	$319,963 (+0.64%) Land $90,436 Building $229,527
2025	$3,559.00 (+1.92%)	$60,410 (+2.58%)	$317,944 (+2.57%) Land $90,436 Building $227,508
2024	$3,492.00
2023		$58,893
2022			$309,965 Land $82,215 Building $227,750

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	0.03% annual chance
Exposure	Direct burnable vegetation

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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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