8 Windcastle Pl, Saint Charles, MO 63304 Property Records

St. Charles County property record for 8 Windcastle Pl, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,318 sqft · built 1997
Lot Size	0.82 acres (35,719 sqft)
Owner	2 Individual Names on Record
Deeds & Mortgages	May 2021 Mortgage Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A973001332`

Property Details

APN / Parcel Number

Primary APN	`A973001332`
Alternative APN	`3-0132-7619-00-0008.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	5,318 sqft Living Area
Gross Area	6,610 sqft
1st Floor Area	3,495 sqft
Basement Area	2,431 sqft
Finished Basement	1,823 sqft
Unfinished Basement	608 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	35,719 sqft (0.82 acres)
Garage Type	Attached
Garage Area	684 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001332
Street Address	8 WINDCASTLE PL
City	SAINT CHARLES
State	MO
Zip	63304-0456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDCASTLE #1 LOT 8
Legal Subdivision	WIND CASTLE #1
Legal Lot Number	8
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311132

Owner

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	8 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 15, 2021	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Aug 26, 2022	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 26, 2022
Transfer Doc	0000047512
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	8 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Transaction Type	Mortgage
Record Updated	Sep 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456

Mortgage

Document Number	0000043128
Date	May 18, 2021
Instrument	2021R-043128

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	MINNEAPOLIS, MN 55467

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	8 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Transaction Type	Mortgage
Record Updated	Sep 12, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456

Mortgage

Document Number	0000022721
Date	Mar 15, 2021
Instrument	2021R-022721

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	352 Months
Due	Jul 17, 2050

August 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 26, 2022
Property Address	8 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Document Number	0000047512
Map Reference	MB 33 PG 331
Instrument Date	Aug 26, 2022
Instrument	2022R-047512
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	8 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456

Tax Assessment & Valuation

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	Assessed Value	Assessed Market Value
2026	$183,070 (+13.78%)	$963,528 (+13.78%) Land $150,000 Building $813,528
2023	$160,903
2022		$846,856 Land $150,000 Building $696,856

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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

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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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