12 Deer Pointe Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 12 Deer Pointe Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 2001
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,400 (Mar 2017)
Tax Bill	$4,117 (2025)
Deeds & Mortgages	May 2020 Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T001800417`

Property Details

APN / Parcel Number

Primary APN	`T001800417`
Alternative APN	`4-0022-8192-00-0113.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	3,560 sqft
1st Floor Area	1,600 sqft
Basement Area	1,560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	120 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001800417
Street Address	12 DEER POINTE CT
City	O FALLON
State	MO
Zip	63366-3755
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET RIDGE EST PH2 LOT 113
Legal Subdivision	SUNSET RIDGE EST PH2
Legal Lot Number	113
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	4
Census Block	4004
Census Tract	311907

Owner

Source: St. Charles County records, as of August 7, 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 DEER POINTE CT, O FALLON, MO 63366-3755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Apr 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jan 27, 2020	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Mar 1, 2017	Warranty Deed, Transfer F&B ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2017 · Amount on Record
Deed Sale	Mar 1, 2017 · Amount on Record
Prior Sale	May 10, 2001 · Amount on Record
Deed Document Number	2017127170
Deed Book / Page	6706 / 475
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	12 DEER POINTE CT, O FALLON, MO 63366-3755
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073070570
Date	May 29, 2020
Book Page	7307/570
Instrument	20200529000354070

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	12 DEER POINTE CT, O FALLON, MO 63366-3755
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070531088
Date	Apr 1, 2019
Book Page	7053/1088
Instrument	20190401000143390

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	12 DEER POINTE CT, O FALLON, MO 63366-3755
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072211178
Date	Jan 27, 2020
Book Page	7221/1178
Instrument	20200127000051900

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Dec 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 1, 2017
Property Address	12 DEER POINTE CT, O FALLON, MO 63366-3755
Document Number	0067060475
Book / Page	006706 / 000475
Instrument Date	Feb 24, 2017
Instrument	127170
Transaction Type	Transfer
Record Updated	Mar 27, 2017
Title Company	US 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	Tenants by the Entirety
Address	12 DEER POINTE CT O FALLON MO 633663755, O FALLON, MO 63366-3755

Mortgage

Document Number	67060477
Date	Mar 1, 2017
Book Page	006706/000477
Instrument	127180

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2047

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$60,225 (-)	$316,976 (-) Land $65,000 Building $251,976
2025	$4,117.00	$60,225 (+8.34%)	$316,976 (+8.34%) Land $65,000 Building $251,976
2023		$55,587
2022			$292,566 Land $55,000 Building $237,566

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not 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 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
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 419 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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