4200 Wincliff Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4200 Wincliff Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,520 sqft · built 1970
Lot Size	4.26 acres (185,566 sqft)
Owner	2 Individual Names on File
Last Sale	$432,000 (May 2021)
Tax Bill	$4,750 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`579750A000`

Property Details

APN / Parcel Number

Primary APN	`579750A000`
Alternative APN	`3-0040-S028-00-0007.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,520 sqft Living Area
Gross Area	5,568 sqft
1st Floor Area	2,520 sqft
Basement Area	2,520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	185,566 sqft
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	579750A000
Street Address	4200 WINCLIFF DR
City	SAINT CHARLES
State	MO
Zip	63304-7464
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT SW 1/4
Legal Range	4
Legal Township	46
Legal Section	02
Legal Lot Number	7
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1000
Census Tract	311132

Owner

4200 Wincliff Dr is owned and occupied by two individuals who bought it in May 2021.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4200 WINCLIFF DR, SAINT CHARLES, MO 63304-7464
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
Apr 28, 2021	Deed of Trust, Mortgage · Line of Credit ST JOHNS BANK & TRUST COMPANY
May 6, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2021 · Amount on File
Deed Sale	May 6, 2021 · Amount on File
Deed Document Number	202139752
Prior Transfer Date	Nov 16, 2007
Prior Transfer Doc	0000989710
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4200 WINCLIFF DR, SAINT CHARLES, MO 63304-7464
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4200 WINCLIFF DR, SAINT CHARLES, MO 63304-7464

Mortgage

Document Number	2021R037237
Date	Apr 28, 2021
Instrument	2021R-037237

Lender

Name	ST JOHNS BANK & TRUST COMPANY
Type	Bank
Address	SAINT LOUIS, MO 63114

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 6, 2021
Property Address	4200 WINCLIFF DR, SAINT CHARLES, MO 63304-7464
Document Number	2021R039752
Map Reference	MB 3 PG 149
Instrument Date	Apr 27, 2021
Instrument	2021R-039752
Transaction Type	Transfer
Record Updated	May 20, 2021
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 GATEWAY ST, 3, SAINT PETERS, MO 63376-5238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4200 WINCLIFF DR, SAINT PETERS, MO 63304-7464

Mortgage

Document Number	2021R039753
Date	May 6, 2021
Instrument	2021R-039753

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4200 Wincliff Dr was $4,750, up 1.8% 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		$80,634 (-)	$424,389 (-) Land $126,522 Building $297,867
2025	$4,750.00 (+1.78%)	$80,634	$424,389 Land $126,522 Building $297,867
2024	$4,667.00
2023		$78,718
2022			$414,304 Land $115,020 Building $299,284

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 4200 Wincliff Dr in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1979.

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

Wildfire risk around 4200 Wincliff Dr is low, with a 0.02% annual chance of 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	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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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