54 Towerbridge Pl, Saint Charles, MO 63303 Property Records

St. Charles County property record for 54 Towerbridge Pl, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,682 sqft · built 2009
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$417,500 (Nov 2017)
Tax Bill	$6,546 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T080800349`

Property Details

APN / Parcel Number

Primary APN	`T080800349`
Alternative APN	`3-0162-A297-00-027A.0000000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,682 sqft Living Area
Basement Area	2,682 sqft
Finished Basement	805 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	110 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T080800349
Old Parcel Number	T080800349
Street Address	54 TOWERBRIDGE PL
City	SAINT CHARLES
State	MO
Zip	63303-4802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TALBRIDGE VLG A-C & FAIRWAYS EST LOT 8 & 113 RESUB LOT 27A
Legal Range	03E
Legal Township	46N
Legal Subdivision	TALBRIDGE VLG A-C & FAIRWAYS EST LOT 8 &
Legal Lot Number	27A 113
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	3
Census Block	3008
Census Tract	311004

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	54 TOWERBRIDGE PL, SAINT CHARLES, MO 63303-4802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jan 12, 2017	Deed of Trust, Mortgage · ARM SUNTRUST MORTGAGE INC
Nov 21, 2017	Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2017 · Amount on Record
Deed Sale	Nov 21, 2017 · Amount on Record
Prior Sale	Jun 7, 2011
Deed Document Number	0068412478
Deed Book / Page	6841 / 2478
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	54 TOWERBRIDGE PL, SAINT CHARLES, MO 63303-4802
Transaction Type	Mortgage
Record Updated	Aug 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 TOWEBRIDGE PL, SAINT CHARLES, MO 63303-4802

Mortgage

Document Number	2021R066759
Date	Aug 10, 2021
Instrument	2021R-066759

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	54 TOWERBRIDGE PL, SAINT CHARLES, MO 63303-4802
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066841642
Date	Jan 12, 2017
Book Page	6684/1642
Instrument	20170112000024390

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	ARM
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Dec 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 21, 2017
Property Address	54 TOWERBRIDGE PL, SAINT CHARLES, MO 63303-4802
Document Number	0068412478
Book / Page	6841 / 2478
Map Reference	MB 44 PG 193
Instrument Date	Nov 15, 2017
Instrument	20171121000724830
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1106 WILMAS VALLEY CT, 1106, CHESTERFIELD, MO 63005-4368

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 TOWERBRIDGE PL, SAINT CHARLES, MO 63303-4802

Mortgage

Document Number	20171121000724840
Date	Nov 21, 2017
Instrument	20171121000724840

Lender

Name	CORNERSTONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,546.00	$114,070 (+3.64%)	$600,369 (+3.64%) Land $90,000 Building $510,369
2023		$110,066
2022			$579,293 Building $579,293

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 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	49 (1979–1995)
Claims Outside the SFHA	4 of 49
Most Recent Claim	Jun 1995 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Hail, Flooding, Jun 1995 · 2 claims Severe Storms & Flooding, Sep 1993 · 18 claims

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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) 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 658 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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