1. Home
  2. Missouri
  3. St. Charles County
  4. Saint Charles
  5. Cobblestone Ct

12 Cobblestone Ct, Saint Charles, MO 63304 Property Records

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

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,625 sqft · built 1978
Lot Size0.349 acres (15,215 sqft)
Owner2 Individual Names on Record
Last Sale$244,400 (Feb 2021)
Tax Bill$3,995 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN487860A041

Property Details

APN / Parcel Number

Primary APN487860A041
Alternative APN
  • 3-0015-5212-00-0041.0000000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms8 Rooms
Stories1 Story
Building Area2,625 sqft Living Area
Gross Area3,940 sqft
1st Floor Area1,750 sqft
Basement Area1,750 sqft
Finished Basement875 sqft
Unfinished Basement875 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Architectural StyleRanch
Exterior MaterialBrick/Stone
Roof TypeGable
Roof MaterialAsphalt
Lot Area15,215 sqft (0.349 acres)
Lot Dimensions179 ft deep x 85 ft wide
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area105 sqft
Patio Area288 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account Number487860A041
Street Address12 COBBLESTONE CT
CitySAINT CHARLES
StateMO
Zip63304-6810
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAE9
Legal DescriptionWOODSTONE EST LOT 41
Legal SubdivisionWOODSTONE EST
Legal Lot Number41
JurisdictionST CHARLES MO
Township / Civil DivisionHARVESTER
Census Block Group2
Census Block2005
Census Tract311149

Owner

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

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 Record2 Individual Names on Record
Mailing Address12 COBBLESTONE CT, SAINT CHARLES, MO 63304-6810
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 19, 2021 · Amount on Record
Deed SaleFeb 19, 2021 · Amount on Record
Prior SaleDec 7, 2015 · Amount on Record
Deed Document Number202114646
Prior Transfer DateAug 14, 2020
Prior Transfer Doc0073840119
Record UpdatedOct 29, 2026

February 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST CHARLES MO
Recording DateFeb 19, 2021
Property Address12 COBBLESTONE CT, SAINT CHARLES, MO 63304-6810
Document Number2021R014646
Map ReferenceMB 20 PG 36
Instrument DateFeb 9, 2021
Instrument2021R-014646
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyTOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax$0.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address12 COBBLESTONE CT, SAINT CHARLES, MO 63304-6810

Mortgage

Document Number2021R014647
DateFeb 19, 2021
Instrument2021R-014647
Lender
NameFIRST COMMUNITY CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$67,338 (-)$354,412 (-) Land $85,716 Building $268,696
2025$3,995.00 (+13.04%)$67,338 (+13.88%)$354,412 (+13.88%) Land $85,716 Building $268,696
2024$3,534.00
2023$59,129
2022$311,204 Land $85,716 Building $225,488

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims11 (1979–2020)
Claims Outside the SFHA1 of 11
Most Recent ClaimAug 2020 · river or lake flooding
Claims by Event
  • Severe Storms & Flooding, Jul 1993 · 5 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 RiskNot rated
no burnable land within 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 SystemMO AMERICAN ST LOUIS ST CHARLES COUNTIES
private · serves 1,111,000 people · EPA ID MO6010716
Water SourceSurface water
Last State InspectionFeb 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 335 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Cobblestone Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures