9 Windcastle Pl, Saint Charles, MO 63304 Property Records

St. Charles County property record for 9 Windcastle Pl, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,850 sqft · built 1997
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,165,080 (Mar 2024)
Tax Bill	$9,326 (2025)
Deeds & Mortgages	Mar 2026 Sale Mar 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A973001333`

Property Details

APN / Parcel Number

Primary APN	`A973001333`
Alternative APN	`3-0132-7619-00-0009.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,850 sqft Living Area
Gross Area	6,533 sqft
1st Floor Area	1,998 sqft
Basement Area	1,758 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	34,412 sqft (0.79 acres)
Garage Type	Attached
Garage Area	925 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	10 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001333
Street Address	9 WINDCASTLE PL
City	SAINT CHARLES
State	MO
Zip	63304-0456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDCASTLE #1 LOT 9
Legal Subdivision	WIND CASTLE #1
Legal Lot Number	9
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 March 31, 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	9 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Beneficiary Deed, Transfer
Mar 25, 2024	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
May 4, 2020	Warranty Deed, Transfer · Conventional Mortgage CITIBANK NA
Jun 18, 2018	Warranty Deed, Transfer ANHEUSER BUSCH EMPS CU
Nov 30, 2017	Loan Modification, Mortgage ENTERPRISE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2024 · Amount on Record
Deed Sale	Mar 25, 2024 · Amount on Record
Prior Sale	May 4, 2020 · Amount on Record
Deed Document Number	202410972
Last Transfer Date	Mar 10, 2026
Transfer Doc	0000012336
Record Updated	Jun 8, 2026

March 2026: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 18, 2026
Property Address	9 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Document Number	0000012336
Map Reference	MB 33 PG 331
Instrument Date	Mar 10, 2026
Instrument	2026R-012336
Transaction Type	Transfer
Record Updated	Apr 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	9 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 25, 2024
Property Address	9 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Document Number	0000010972
Map Reference	MB 33 PG 331
Instrument Date	Mar 20, 2024
Instrument	2024R-010972
Transaction Type	Transfer
Record Updated	Apr 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 HEALING WATERS LN, TWIN BRIDGES, MT 59754-8716

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456

Mortgage

Document Number	0000010973
Date	Mar 25, 2024
Instrument	2024R-010973

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12%
Margin	3
Max Rate	12%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 4, 2020
Property Address	9 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Document Number	0000280940
Book / Page	7285 / 1589
Map Reference	MB 33 PG 331
Instrument Date	Apr 24, 2020
Instrument	20200504000280940
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456

Mortgage

Document Number	0000280950
Date	May 4, 2020
Instrument	20200504000280950

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 18, 2018
Property Address	9 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Document Number	0069342279
Book / Page	006934 / 002279
Instrument Date	Jun 15, 2018
Instrument	337070
Transaction Type	Transfer
Record Updated	Aug 6, 2018
Title Company	NETCO TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9 WINDCASTLE PL ST CHARLES MO 633040456, ST CHARLES, MO 63304-0456

Mortgage

Document Number	69342284
Date	Jun 18, 2018
Book Page	006934/002284
Instrument	337080

Lender

Name	ANHEUSER BUSCH EMPS CU
Type	Credit Union
Address	SAINT LOUIS, MT 63118

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2048

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	9 WINDCASTLE PL, SAINT CHARLES, MO 63304-0456
Document Number	0068720370
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9 WINDCASTLE PL ST CHARLES MO 633040456, ST CHARLES, MO 63304-0456

Mortgage

Document Number	0068720370
Date	Jan 26, 2018
Book Page	006872/000370
Instrument	50660

Lender

Name	ENTERPRISE BK
Type	Bank
Address	SAINT PETERS, MO 63376

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$9,326.00 (+8.61%)	$157,822 (+9.32%)	$830,641 (+9.32%) Land $150,000 Building $680,641
2024	$8,587.00
2023		$144,366
2022			$759,825 Land $150,000 Building $609,825

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 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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