12 Bell Tower Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 12 Bell Tower Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,322 sqft · built 1994
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Aug 2022)
Tax Bill	$4,653 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A953000289`

Property Details

APN / Parcel Number

Primary APN	`A953000289`
Alternative APN	`3-157C-7053-00-0016.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,322 sqft Living Area
Gross Area	4,236 sqft
1st Floor Area	1,302 sqft
Basement Area	1,188 sqft
Finished Basement	832 sqft
Unfinished Basement	356 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	558 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A953000289
Street Address	12 BELL TOWER CT
City	SAINT CHARLES
State	MO
Zip	63304-1021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTICELLO EST #3 LOT 16
Legal Subdivision	MONTICELLO EST #3
Legal Lot Number	16
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3032
Census Tract	311124

Owner

Source: St. Charles County records, as of September 10, 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	12 BELL TOWER CT, SAINT CHARLES, MO 63304-1021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK OF ST LOUIS
Aug 19, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2022 · Amount on Record
Deed Sale	Aug 19, 2022 · Amount on Record
Prior Sale	Aug 26, 2013 · Amount on Record
Deed Document Number	202246117
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	12 BELL TOWER CT, SAINT CHARLES, MO 63304-1021
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 BELL TOWER CT, SAINT CHARLES, MO 63304-1021

Mortgage

Document Number	0000023344
Date	Mar 17, 2021
Instrument	2021R-023344

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 19, 2022
Property Address	12 BELL TOWER CT, SAINT CHARLES, MO 63304-1021
Document Number	0000046117
Map Reference	MB 31 PG 309
Instrument Date	Aug 16, 2022
Instrument	2022R-046117
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	68 RED STONE CT, O FALLON, MO 63368-6679

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 BELL TOWER CT, SAINT CHARLES, MO 63304-1021

Mortgage

Document Number	0000046118
Date	Aug 19, 2022
Instrument	2022R-046118

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$73,051 (-)	$384,479 (-) Land $65,800 Building $318,679
2025	$4,653.00	$73,051 (+3.75%)	$384,479 (+3.75%) Land $65,800 Building $318,679
2023		$70,412
2022			$370,589 Land $50,000 Building $320,589

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	9 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2017 · other causes

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	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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) 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 163 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

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