51 Normandy Dr, Lake Saint Louis, MO 63367 Property Records

St. Charles County property record for 51 Normandy Dr, Lake Saint Louis, MO 63367

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,808 sqft · built 1977
Lot Size	0.266 acres (11,600 sqft)
Owner	2 Individual Names on File
Last Sale	$239,036 (Feb 2025)
Tax Bill	$4,036 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Apr 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`689100A000`

Property Details

APN / Parcel Number

Primary APN	`689100A000`
Alternative APN	`4-0056-4419-00-0046.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,808 sqft Living Area
Gross Area	3,558 sqft
1st Floor Area	1,548 sqft
Basement Area	1,548 sqft
Finished Basement	1,260 sqft
Unfinished Basement	288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,600 sqft (0.266 acres)
Lot Dimensions	145 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	60 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	689100A000
Street Address	51 NORMANDY DR
City	LAKE SAINT LOUIS
State	MO
Zip	63367-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LSL #3 LOT 46
Legal Subdivision	LSL #3 RESUB #107 & #108
Legal Lot Number	46
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	2
Census Block	2000
Census Tract	311903

Owner

51 Normandy Dr is owned and occupied by two individuals who bought it in February 2025.

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	51 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 16, 2024	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 5, 2023	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2025 · Amount on File
Deed Sale	Feb 11, 2025 · Amount on File
Prior Sale	Jan 5, 2023 · Amount on File
Deed Document Number	20255757
Prior Transfer Date	Feb 4, 2025
Prior Transfer Doc	0000005757
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	51 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1504
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1504

Mortgage

Document Number	0000007599
Date	Feb 19, 2026
Instrument	2026R-007599

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	KANSAS CITY, MO 64105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 24, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	51 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1504
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	NETCO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1504

Mortgage

Document Number	0000014415
Date	Apr 16, 2024
Instrument	2024R-014415

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 5, 2023
Property Address	51 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1504
Document Number	0000000584
Map Reference	MB 12 PG 3
Instrument Date	Dec 30, 2022
Instrument	2023R-000584
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	338 RUSTIC OAKS DR, WENTZVILLE, MO 63385-3089

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 NORMANDY DR, LAKE SAINT LOUIS, MO 63367-1504

Mortgage

Document Number	0000000585
Date	Jan 5, 2023
Instrument	2023R-000585

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	Lake St. Louis City
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$57,458 (-)	$302,414 (-) Land $65,291 Building $237,123
2025	$4,036.00 (+6.8%)	$57,458 (+4.77%)	$302,414 (+4.77%) Land $65,291 Building $237,123
2024	$3,779.00
2023		$54,844
2022			$288,654 Land $47,117 Building $241,537

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

FEMA maps place 51 Normandy Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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.

Wildfire

The area around 51 Normandy Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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
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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

Nearby Properties on Normandy Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures