44 Windcastle Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 44 Windcastle Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,211 sqft · built 2003
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Company Names on File
Last Sale	$1,339,000 (Sep 2023)
Tax Bill	$14,018 (2025)
Deeds & Mortgages	Sep 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A973001631`

Property Details

APN / Parcel Number

Primary APN	`A973001631`
Alternative APN	`3-0132-7619-00-0044.0000000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,211 sqft Living Area
1st Floor Area	2,740 sqft
Basement Area	2,974 sqft
Finished Basement	2,110 sqft
Fireplaces	1 Fireplace
Fireplace	2 Story

Exterior

Year Built	Built 2003
Architectural Style	Other
Exterior Material	Brick
Lot Area	29,621 sqft (0.68 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	45 sqft
Patio Area	504 sqft

Location & Zoning

Account Number	A973001631
Old Parcel Number	A973001631
Street Address	44 WINDCASTLE DR
City	SAINT CHARLES
State	MO
Zip	63304-0445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDCASTLE #1 LOT 44
Legal Range	04E
Legal Township	46N
Legal Subdivision	WIND CASTLE #1
Legal Lot Number	44
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1008
Census Tract	311132

Owner

Source: St. Charles County records · APN A973001631

Assessment roll updated July 1, 2025 · Last verified March 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 File
Co-owner	Verified Secondary Owner
Mailing Address	44 WINDCASTLE DR, SAINT CHARLES, MO 63304-0445
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Sep 21, 2023 · Amount on Record
Deed Sale	Sep 21, 2023 · Amount on Record
Prior Sale	Nov 21, 2002 · Amount on Record
Deed Document Number	0202338778
Deed Book / Page	2023 / 38778
Record Updated	Jun 08, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 21, 2023
Property Address	44 WINDCASTLE DR, SAINT CHARLES, MO 63304-0445
Document Number	0000038778
Map Reference	MB 33 PG 331
Instrument Date	Sep 15, 2023
Instrument	2023R-038778
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	44 WINDCASTLE DR, SAINT CHARLES, MO 63304-0445

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	44 WINDCASTLE DR, SAINT CHARLES, MO 63304-0445

Mortgage

Document Number	0000038779
Date	Sep 21, 2023
Instrument	2023R-038779

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,018.00 (+30.79%)	$237,464 (+21.64%)	$1,249,813 (+21.64%) Land $150,000 Building $1,099,813
2023		$195,213 (+16.46%)
2022	$10,718.00	$167,629	$1,027,438 (+16.46%) Land $150,000 Building $877,438
2021			$882,257 Land $150,000 Building $732,257

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

Based on FCC filings for 166 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.