42 Windcastle Pl, Saint Charles, MO 63304 Property Records

St. Charles County property record for 42 Windcastle Pl, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 7,500 sqft · built 2003
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Company Names on Record
Tax Bill	$15,069 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A973001629`

Property Details

APN / Parcel Number

Primary APN	`A973001629`
Alternative APN	`3-0132-7619-00-0042.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	7,500 sqft Living Area
Gross Area	9,675 sqft
1st Floor Area	5,170 sqft
Basement Area	3,051 sqft
Finished Basement	2,330 sqft
Unfinished Basement	721 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	34,848 sqft (0.8 acres)
Garage Type	Attached
Garage Area	1,454 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	256 sqft

Location & Zoning

Account Number	A973001629
Street Address	42 WINDCASTLE PL
City	SAINT CHARLES
State	MO
Zip	63304-0456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDCASTLE #1 LOT 42
Legal Subdivision	WIND CASTLE #1
Legal Lot Number	42
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 April 8, 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	42 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Mar 27, 2026	Warranty Deed, Transfer
Jun 19, 2020	Warranty Deed, Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2026
Deed Sale	Mar 27, 2026
Prior Sale	Sep 4, 2020
Deed Document Number	202614002
Prior Transfer Date	Sep 3, 2020
Prior Transfer Doc	0000000008
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	42 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029258
Date	Apr 2, 2021
Instrument	2021R-029258

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 27, 2026
Property Address	42 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Document Number	0000014002
Map Reference	MB 33 PG 331
Instrument Date	Mar 26, 2026
Instrument	2026R-014002
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	42 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 19, 2020
Property Address	42 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Document Number	0073250222
Book / Page	007325 / 000222
Instrument Date	Jun 12, 2020
Instrument	420280
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	US TITLE-DES PERES

Transaction

Amount	Amount Recorded
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	Tenants by the Entirety
Address	42 WINDCASTLE PL ST CHARLES MO 633040456, ST CHARLES, MO 63304-0456

Mortgage

Document Number	73250224
Date	Jun 19, 2020
Book Page	007325/000224
Instrument	420290

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	1525 S BELT LINE RD, COPPELL, TX 75019-4913

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025		$287,930 (+13.5%)	$1,515,421 (+13.5%) Land $150,000 Building $1,365,421
2024	$15,069.00 (+6.52%)
2023		$253,693 (+14.59%)
2022	$14,147.00	$221,388	$1,335,229 (+14.59%) Land $150,000 Building $1,185,229
2021			$1,165,200 Land $150,000 Building $1,015,200

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

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	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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