Can't really rely on what's embossed on the speaker grilles, or on the fact you have cassette. You really have to look.
Both my '98 Windstar and '99 Mystique have stock Ford AM/FM cassette units. The Windstar has got "Premium Sound" embossed on the grilles, while the Mystique has got "Stereo" on the grilles.
The Mystique has got the amp behind the glove box (and the second (audio) connector which is next to impossible to find around here, while the 'star has teh tandard sound option (with the twin connectors you can find in just about any corner store).