St. Charles County property record for 12 Cabernet Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,780 sqft · built 1987 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,912 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Apr 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | A870002716 |
| Primary APN | A870002716 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,780 sqft Living Area |
| Gross Area | 3,924 sqft |
| 1st Floor Area | 1,780 sqft |
| Basement Area | 1,744 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 246 sqft |
| Patio Area | 296 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870002716 |
|---|---|
| Street Address | 12 CABERNET CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VINEYARDS #1 LOT 157 |
| Legal Subdivision | VINEYARDS #1 |
| Legal Lot Number | 157 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311132 |
Source: St. Charles County records, as of August 13, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12 CABERNET CT, SAINT CHARLES, MO 63304-1432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE SOLUTIONS LLC |
| Apr 21, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2021 |
| Deed Sale | Apr 21, 2021 |
| Prior Sale | Apr 28, 1998 · Amount on Record |
| Deed Document Number | 202135357 |
| Prior Transfer Date | Apr 16, 2021 |
| Prior Transfer Doc | 2021R035357 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 12 CABERNET CT, SAINT CHARLES, MO 63304-1432 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 12 CABERNET CT, SAINT CHARLES, MO 63304-1432 |
| Document Number | 2021R073388 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 2021R-073388 |
| Name | MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT CHARLES, MO 63304 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 21, 2021 |
| Property Address | 12 CABERNET CT, SAINT CHARLES, MO 63304-1432 |
| Document Number | 2021R035357 |
| Map Reference | MB 26 PG 23 |
| Instrument Date | Apr 16, 2021 |
| Instrument | 2021R-035357 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 CABERNET CT, SAINT CHARLES, MO 63304-1432 |
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,912.00 (+12.87%) | $65,929 (+13.71%) | $346,995 (+13.71%) Building $346,995 |
| 2024 | $3,466.00 | ||
| 2023 | $57,981 | ||
| 2022 | $305,161 Land $55,000 Building $250,161 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 90% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 430 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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