446 Round Tower Dr W, Saint Charles, MO 63304 Property Records

St. Charles County property record for 446 Round Tower Dr W, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,068 sqft · built 1989
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Owner Names on Record
Last Sale	$274,500 (Jan 2014)
Tax Bill	$5,766 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A893001327`

Property Details

APN / Parcel Number

Primary APN	`A893001327`
Alternative APN	`3-0105-6462-00-0008.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,068 sqft Living Area
1st Floor Area	2,068 sqft
Basement Area	2,036 sqft
Finished Basement	824 sqft

Exterior

Year Built	Built 1989
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	23,087 sqft (0.53 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	241 sqft
Patio Area	525 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A893001327
Old Parcel Number	A893001327
Street Address	446 ROUND TOWER DR W
City	SAINT CHARLES
State	MO
Zip	63304-0812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDSOR PL #1 LOT 8
Legal Range	03E
Legal Township	46N
Legal Subdivision	WINDSOR PL #1
Legal Lot Number	8
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1030
Census Tract	311740

Owner

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on Record
Mailing Address	446 ROUND TOWER DR W, SAINT CHARLES, MO 63304-0812
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2017	Deed of Trust, Mortgage · VA Mortgage BOKF NA
Jul 29, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICA MORTGAGE CO
Sep 28, 2020	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2014 · Amount on Record
Deed Sale	Jan 24, 2014 · Amount on Record
Deed Document Number	0061461168
Deed Book / Page	6146 / 1168
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	446 ROUND TOWER DR W, SAINT CHARLES, MO 63304-0812
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067680991
Date	Jul 3, 2017
Book Page	6768/0991
Instrument	20170703000404360

Lender

Name	BOKF NA
Type	Bank
Address	TULSA, OK 74136

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	446 ROUND TOWER DR W, SAINT CHARLES, MO 63304-0812
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073570495
Date	Jul 29, 2020
Book Page	7357/495
Instrument	20200729000535560

Lender

Name	AMERICA MORTGAGE CO
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	446 ROUND TOWER DR W, SAINT CHARLES, MO 63304-0812
Document Number	0000079462
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	SOLIDIFI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	446 ROUND TOWER DR W COTTLEVILLE MO 633040812, COTTLEVILLE, MO 63304-0812

Mortgage

Document Number	0000079462
Date	Oct 20, 2020
Instrument	79462

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 19, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Cottleville City
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	$5,766.00	$93,720 (+12.4%)	$493,265 (+12.4%) Land $78,750 Building $414,515
2023		$83,379
2022			$438,841 Land $78,750 Building $360,091

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

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	1 (2019)
Most Recent Claim	May 2019 · Severe Storms, Tornadoes, And Flooding

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 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% 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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Wisper ISP.

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