St. Charles County property record for 45 Windcastle Dr, Saint Charles, MO 63304 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,699 sqft · built 1999 |
| Lot Size | 0.74 acres (32,234 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,550,000 (Dec 2024) |
| Tax Bill | $11,183 (2025) |
| Deeds & Mortgages | Oct 2022 Sale Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A973001632 |
| Primary APN | A973001632 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,699 sqft Living Area |
| Gross Area | 5,738 sqft |
| 1st Floor Area | 2,552 sqft |
| Basement Area | 2,536 sqft |
| Finished Basement | 1,147 sqft |
| Unfinished Basement | 1,389 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 32,234 sqft (0.74 acres) |
| Garage Type | Attached |
| Garage Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Patio Area | 390 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A973001632 |
|---|---|
| Street Address | 45 WINDCASTLE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-0445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINDCASTLE #1 LOT 45 |
| Legal Subdivision | WIND CASTLE #1 |
| Legal Lot Number | 45 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 311132 |
Source: St. Charles County records · APN A973001632
Assessment roll updated August 7, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 45 WINDCASTLE DR, SAINT CHARLES, MO 63304-0445 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Oct 26, 2022 | Beneficiary Deed, Transfer |
| Jul 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage RAYMOND JAMES BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 12, 2024 · Amount on Record |
| Deed Sale | Dec 12, 2024 · Amount on Record |
| Prior Sale | Dec 09, 2024 · Amount on Record |
| Deed Document Number | 202452062 |
| Prior Transfer Date | Sep 20, 2022 |
| Prior Transfer Doc | 0000058399 |
| Record Updated | Sep 20, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 26, 2022 |
| Property Address | 45 WINDCASTLE DR, SAINT CHARLES, MO 63304-0445 |
| Document Number | 0000058399 |
| Map Reference | MB 33 PG 331 |
| Instrument Date | Sep 20, 2022 |
| Instrument | 2022R-058399 |
| Transaction Type | Transfer |
| Record Updated | Nov 08, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 WINDCASTLE DR, SAINT CHARLES, MO 63304-0445 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 12, 2021 |
| Property Address | 45 WINDCASTLE DR, SAINT CHARLES, MO 63304-0445 |
| Document Number | 2021R058351 |
| Map Reference | MB 33 PG 331 |
| Instrument Date | Jul 08, 2021 |
| Instrument | 2021R-058351 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2021 |
| Title Company | NOT AVAILABLE, UST |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 WINDCASTLE DR, 45, SAINT CHARLES, MO 63304-0445 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 45 WINDCASTLE DR, SAINT CHARLES, MO 63304-0445 |
| Document Number | 2021R058352 |
|---|---|
| Date | Jul 12, 2021 |
| Instrument | 2021R-058352 |
| Name | RAYMOND JAMES BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Aug 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 5% |
| Index | 1-Year CMT |
| Max Rate | 8% |
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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 |
|---|---|---|---|
| 2026 | $189,353 (-) | $996,597 (-) Land $150,000 Building $846,597 | |
| 2025 | $11,183.00 (+8.36%) | $189,353 (+9.08%) | $996,597 (+9.08%) Land $150,000 Building $846,597 |
| 2024 | $10,320.00 | ||
| 2023 | $173,597 | ||
| 2022 | $913,669 Land $150,000 Building $763,669 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111321, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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, river or lake flooding, Severe Storms, Tornadoes, And Flooding |
| Claims By Storm |
|
| Wildfire Risk | Low above 20% of the US · above 15% of Missouri |
|---|---|
| Wildfire Likelihood | About 1 in 4,167 per year |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 166 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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