54 Windam Pl Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 54 Windam Pl Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	1 bd · 3 ba · 1,934 sqft · built 1979
Lot Size	3.23 acres (140,699 sqft)
Owner	Individual Name on File
Last Sale	$299,200 (May 2021)
Tax Bill	$4,428 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`580321A010`

Property Details

APN / Parcel Number

Primary APN	`580321A010`
Alternative APN	`3-0041-5239-00-0011.0000000`

Interior

Bedrooms	1 Bed
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,934 sqft Living Area
Gross Area	2,930 sqft
1st Floor Area	1,050 sqft
Basement Area	1,040 sqft
Finished Basement	884 sqft
Unfinished Basement	156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	140,699 sqft
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	227 sqft
Deck Area	Deck Area
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	580321A010
Street Address	54 WINDAM PLACE DR
City	SAINT CHARLES
State	MO
Zip	63304-7420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WINDAM PL #1 LOT 11
Legal Subdivision	WINDAM PL #1
Legal Lot Number	11
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1011
Census Tract	311132

Owner

54 Windam Pl Dr is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	54 WINDAM PLACE DR, SAINT CHARLES, MO 63304-7420
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
May 11, 2021	Intrafamily Transfer, Transfer FREEDOM TITLE
Dec 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
Mar 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2021 · Amount on File
Deed Sale	May 11, 2021 · Amount on File
Prior Sale	Nov 17, 2004 · Amount on File
Deed Document Number	202141066
Prior Transfer Date	Apr 28, 2021
Prior Transfer Doc	2021R041066
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	54 WINDAM PLACE DR, SAINT CHARLES, MO 63304-7420
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R041065
Date	May 11, 2021
Instrument	2021R-041065

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	May 11, 2021
Property Address	54 WINDAM PLACE DR, SAINT CHARLES, MO 63304-7420
Document Number	2021R041066
Map Reference	MB 20 PG 71
Instrument Date	Apr 28, 2021
Instrument	2021R-041066
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 WINDAM PLACE DR, SAINT CHARLES, MO 63304-7420

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	54 WINDAM PLACE DR, SAINT CHARLES, MO 63304-7420
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONS TITLE AGENCY OF MISS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068521902
Date	Dec 14, 2017
Book Page	6852/1902
Instrument	20171214000771540

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	54 WINDAM PLACE DR, SAINT CHARLES, MO 63304-7420
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072440736
Date	Mar 9, 2020
Book Page	7244/736
Instrument	20200309000141010

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 54 Windam Pl Dr was $4,428, up 5.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Missouri
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
2026		$74,685 (-)	$393,080 (-) Land $142,116 Building $250,964
2025	$4,428.00 (+5.86%)	$74,685	$393,080 Land $142,116 Building $250,964
2024	$4,183.00
2023		$70,090
2022			$368,899 Land $129,197 Building $239,702

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 54 Windam Pl Dr in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1979.

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	26 (1979–2019)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jan 2016 · 5 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 3 claims Severe Storms & Flooding, Sep 1993 · 9 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

Wildfire risk around 54 Windam Pl Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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