St. Charles County property record for 5 Castlio Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,569 sqft · built 1985 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $263,000 (Jan 2019) |
| Tax Bill | $3,975 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Nov 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A850003163 |
| Primary APN | A850003163 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,569 sqft Living Area |
| Gross Area | 3,555 sqft |
| 1st Floor Area | 1,083 sqft |
| Basement Area | 1,038 sqft |
| Finished Basement | 576 sqft |
| Unfinished Basement | 462 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 524 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 104 sqft |
| Deck Area | Deck Area |
| Patio Area | 264 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A850003163 |
|---|---|
| Street Address | 5 CASTLIO CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6919 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STAFFORD EST LOT 27 |
| Legal Subdivision | STAFFORD EST |
| Legal Lot Number | 27 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 311150 |
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 | 5 CASTLIO CT, SAINT CHARLES, MO 63304-6919 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Nov 13, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jan 4, 2019 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 18, 2018 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 4, 2019 · Amount on Record |
| Deed Sale | Jan 4, 2019 · Amount on Record |
| Prior Sale | Jul 6, 2000 · Amount on Record |
| Deed Document Number | 20195800 |
| Deed Book / Page | 7022 / 978 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5 CASTLIO CT, SAINT CHARLES, MO 63304-6919 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 5 CASTLIO CT, SAINT CHARLES, MO 63304-6919 |
| Document Number | 0000104240 |
|---|---|
| Date | Dec 29, 2021 |
| Instrument | 2021R-104240 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5 CASTLIO CT, SAINT CHARLES, MO 63304-6919 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0071802267 |
|---|---|
| Date | Nov 13, 2019 |
| Book Page | 7180/2267 |
| Instrument | 20191113000648930 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CHESTERFIELD, MO 63005 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 4, 2019 |
| Property Address | 5 CASTLIO CT, SAINT CHARLES, MO 63304-6919 |
| Document Number | 0070220978 |
| Book / Page | 7022 / 0978 |
| Map Reference | MB 24 PG 28 |
| Instrument Date | Jan 3, 2019 |
| Instrument | 20190104000005800 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 CASTLIO CT, SAINT CHARLES, MO 63304-6919 |
| Document Number | 20190104000005810 |
|---|---|
| Date | Jan 4, 2019 |
| Instrument | 20190104000005810 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5 CASTLIO CT, SAINT CHARLES, MO 63304-6919 |
| Document Number | 0069671302 |
| Instrument Date | Aug 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5 CASTLIO CT ST CHARLES MO 633046919, ST CHARLES, MO 63304-6919 |
| Document Number | 0069671302 |
|---|---|
| Date | Aug 24, 2018 |
| Book Page | 006967/001302 |
| Instrument | 485320 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Aug 23, 2033 |
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 | $67,000 (-) | $352,631 (-) Land $75,000 Building $277,631 | |
| 2025 | $3,975.00 | $67,000 (+10.97%) | $352,631 (+10.97%) Land $75,000 Building $277,631 |
| 2023 | $60,376 | ||
| 2022 | $317,768 Land $65,000 Building $252,768 |
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.
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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 357 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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