43 Windcastle Pl, Saint Charles, MO 63304 Property Records

St. Charles County property record for 43 Windcastle Pl, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 6,650 sqft · built 2007
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Feb 2005)
Tax Bill	$14,603 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A973001630`

Property Details

APN / Parcel Number

Primary APN	`A973001630`
Alternative APN	`3-0132-7619-00-0043.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	6,650 sqft Living Area
Gross Area	8,082 sqft
1st Floor Area	4,350 sqft
Basement Area	2,908 sqft
Finished Basement	2,300 sqft
Unfinished Basement	608 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	27,007 sqft (0.62 acres)
Garage Type	Attached
Garage Area	824 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	50 sqft

Location & Zoning

Account Number	A973001630
Street Address	43 WINDCASTLE PL
City	SAINT CHARLES
State	MO
Zip	63304-0456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDCASTLE #1 LOT 43
Legal Subdivision	WIND CASTLE #1
Legal Lot Number	43
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	2 Individual Names on Record
Mailing Address	43 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2017	Deed of Trust, Mortgage · ARM CORNERSTONE MORTGAGE INC
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2005 · Amount on Record
Deed Sale	Feb 28, 2005 · Amount on Record
Prior Sale	Feb 18, 2004 · Amount on Record
Deed Document Number	2005174970
Deed Book / Page	4110 / 1628
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	43 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STELLAR TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068591456
Date	Dec 28, 2017
Book Page	6859/1456
Instrument	20171228000799010

Lender

Name	CORNERSTONE MORTGAGE INC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	8.62%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	43 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072831401
Date	Apr 30, 2020
Book Page	7283/1401
Instrument	20200430000274590

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 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		$247,401 (-)	$1,302,111 (-) Land $150,000 Building $1,152,111
2025	$14,603.00	$247,401 (+9.46%)	$1,302,111 (+9.46%) Land $150,000 Building $1,152,111
2023		$226,023
2022			$1,189,595 Land $150,000 Building $1,039,595

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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