St. Charles County property record for 12 Rainier Pointe Ct, Saint Charles, MO 63301
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 3 ba · 2,482 sqft · built 2000 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,101 (Sep 2022) |
| Tax Bill | $3,439 (2024) |
| Deeds & Mortgages | Jan 2023 Sale Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T010700045 |
| Primary APN | T010700045 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,482 sqft Living Area |
| Gross Area | 3,554 sqft |
| 1st Floor Area | 1,582 sqft |
| Basement Area | 1,552 sqft |
| Finished Basement | 900 sqft |
| Unfinished Basement | 652 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Spanish |
| Exterior Material | Brick/Stone |
| Lot Area | 3,049 sqft (0.07 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Patio Area | 264 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T010700045 |
|---|---|
| Street Address | 12 RAINIER POINTE CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8404 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | VILLAS AT SUMMIT PT #4 RESUB 21 BDRY LOT 21A |
| Legal Subdivision | VILLAS AT SUMMIT POINTE #4 BDRY ADJ OF A |
| Legal Lot Number | 21A |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 310301 |
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 RAINIER POINTE CT, SAINT CHARLES, MO 63301-8404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 3, 2023 | Beneficiary Deed, Transfer |
| Sep 16, 2022 | Warranty Deed, Transfer · Conventional Mortgage ALLIANCE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2022 · Amount on Record |
| Deed Sale | Sep 16, 2022 · Amount on Record |
| Prior Sale | May 11, 2020 · Amount on Record |
| Deed Document Number | 202251190 |
| Last Transfer Date | Jan 3, 2023 |
| Transfer Doc | 0000000158 |
| Record Updated | Oct 29, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 3, 2023 |
| Property Address | 12 RAINIER POINTE CT, SAINT CHARLES, MO 63301-8404 |
| Document Number | 0000000158 |
| Map Reference | MB 37 PG 121 |
| Instrument Date | Jan 3, 2023 |
| Instrument | 2023R-000158 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 RAINIER POINTE CT, SAINT CHARLES, MO 63301-8404 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 16, 2022 |
| Property Address | 12 RAINIER POINTE CT, SAINT CHARLES, MO 63301-8404 |
| Document Number | 0000051190 |
| Map Reference | MB 37 PG 121 |
| Instrument Date | Sep 15, 2022 |
| Instrument | 2022R-051190 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | US TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12 RAINIER POINTE CT, SAINT CHARLES, MO 63301-8404 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12 RAINIER POINTE CT, SAINT CHARLES, MO 63301-8404 |
| Document Number | 0000051191 |
|---|---|
| Date | Sep 16, 2022 |
| Instrument | 2022R-051191 |
| Name | ALLIANCE CU |
|---|---|
| Type | Credit Union |
| Address | FENTON, MO 63026 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | Oct 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 6.12% |
| Index | 1-Year CMT |
| Margin | 2 |
| Max Rate | 9.12% |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $57,635 (-) | $303,342 (-) Building $303,342 | |
| 2025 | $57,635 (+7.52%) | $303,342 (+7.52%) Building $303,342 | |
| 2024 | $3,439.00 | ||
| 2023 | $53,606 | ||
| 2022 | $282,135 Building $282,135 |
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.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 75 (1979–2015) |
| Claims Outside the SFHA | 1 of 75 |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, 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 99.8% of the US · lower than 99.6% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 311 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures