St. Charles County property record for 4231 Towers Rd, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 6 ba · 5,642 sqft · built 1983 |
| Lot Size | 0.98 acres (42,689 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,764 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | T011100166 |
| Primary APN | T011100166 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 5,642 sqft Living Area |
| Gross Area | 8,604 sqft |
| 1st Floor Area | 3,942 sqft |
| Basement Area | 3,942 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Ranch |
| Exterior Material | Masonry Veneer |
| Lot Area | 42,689 sqft (0.98 acres) |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 240 sqft |
| Patio Area | 100 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T011100166 |
|---|---|
| Street Address | 4231 TOWERS RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7447 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT NE 1/4 SEC 30 |
| Legal Subdivision | WILLERDING CONSOLIDATION |
| Legal Lot Number | 6 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 311132 |
4231 Towers Rd is owned by two individuals who acquired it in October 2025.
Source: St. Charles County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 69 SOMERSET HILLS CT, SAINT CHARLES, MO 63303-7316 |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2025 |
| Deed Sale | Oct 24, 2025 |
| Prior Sale | Dec 3, 2020 · Amount on File |
| Deed Document Number | 202547652 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 4231 Towers Rd was $7,764, up 6.1% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $131,317 (-) | $691,141 (-) Land $65,000 Building $626,141 | |
| 2025 | $7,764.00 (+6.09%) | $131,317 | $691,141 Land $65,000 Building $626,141 |
| 2024 | $7,318.00 | ||
| 2023 | $122,958 | ||
| 2022 | $647,143 Land $60,000 Building $587,143 |
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.
FEMA maps place 4231 Towers Rd 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 |
|
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 risk around 4231 Towers Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 76% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 185 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 |
May also be available: Verizon, Wisper ISP.
5G (outdoors only) and 4G LTE
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