12 Moss Pointe Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 12 Moss Pointe Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,788 sqft · built 1995
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Sep 2020)
Tax Bill	$3,699 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A953000414`

Property Details

APN / Parcel Number

Primary APN	`A953000414`
Alternative APN	`3-0015-7056-00-0107.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,788 sqft Living Area
Gross Area	3,094 sqft
1st Floor Area	930 sqft
Basement Area	858 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A953000414
Street Address	12 MOSS POINTE CT
City	SAINT CHARLES
State	MO
Zip	63303-6553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE STAT LOT 107
Legal Subdivision	COLLEGE STAT
Legal Lot Number	107
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311147

Owner

12 Moss Pointe Ct is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 MOSS POINTE CT, SAINT CHARLES, MO 63303-6553
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2020 · Amount on File
Deed Sale	Sep 8, 2020 · Amount on File
Prior Sale	Sep 8, 2020 · Amount on File
Deed Document Number	202065837
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 8, 2020
Property Address	12 MOSS POINTE CT, SAINT CHARLES, MO 63303-6553
Document Number	0000065837
Instrument Date	Aug 28, 2020
Instrument	65837
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
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 MOSS POINTE CT ST CHARLES MO 633036553, ST CHARLES, MO 63303-6553

Mortgage

Document Number	65838
Date	Sep 8, 2020
Instrument	65838

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 7, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12 Moss Pointe Ct was $3,699.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$61,587 (-)	$324,140 (-) Land $70,000 Building $254,140
2025	$3,699.00	$61,587	$324,140 Land $70,000 Building $254,140
2023		$56,672
2022			$298,273 Land $50,000 Building $248,273

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

FEMA maps place 12 Moss Pointe Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	2 (1982–1983)
Most Recent Claim	Apr 1983 · rainfall accumulation

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

Wildfire risk around 12 Moss Pointe Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 443 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20