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12 Ridgeside Ct, Saint Charles, MO 63304 Property Records

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

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,388 sqft · built 1986
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on File
Last Sale$237,900 (Nov 2020)
Tax Bill$3,238 (2025)
Deeds & MortgagesNov 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNA870001975

Property Details

APN / Parcel Number

Primary APNA870001975
Alternative APN
  • 3-0036-6066-00-0052.0000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,388 sqft Living Area
1st Floor Area1,388 sqft
Basement Area1,354 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Architectural StyleRanch
Exterior MaterialComposition/Composite
Lot Area8,712 sqft (0.2 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area96 sqft
Patio Area220 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
SewerConnected

Location & Zoning

Account NumberA870001975
Old Parcel NumberA870001975
Street Address12 RIDGESIDE CT
CitySAINT CHARLES
StateMO
Zip63304-3446
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMEADOWRIDGE HILLS LOT 52
Legal Range04E
Legal Township46N
Legal SubdivisionMEADOWRIDGE HILLS
Legal Lot Number52
JurisdictionST CHARLES MO
Township / Civil DivisionCOTTLEVILLE
Census Block Group1
Census Block1019
Census Tract311122

Owner

12 Ridgeside Ct is owned and occupied by an individual who bought it in November 2020.

Source: St. Charles County records, as of March 16, 2026

Owner of RecordIndividual Name on File
Mailing Address12 RIDGESIDE CT, SAINT CHARLES, MO 63304-3446
OccupancyOwner Occupied
Owner TypeIndividual

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 NamesName on Deed
Last SaleNov 4, 2020 · Amount on File
Deed SaleNov 4, 2020 · Amount on File
Deed Document Number0202084923
Deed Book / Page2020 / 84923
Record UpdatedJun 8, 2026

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateNov 4, 2020
Property Address12 RIDGESIDE CT, SAINT CHARLES, MO 63304-3446
Document Number0000084923
Instrument DateOct 23, 2020
Instrument84923
Transaction TypeTransfer
Record UpdatedMar 4, 2021
Title CompanyOTHER

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address12 RIDGESIDE CT ST CHARLES MO 633043446, ST CHARLES, MO 63304-3446

Mortgage

Document Number84924
DateNov 4, 2020
Instrument84924
Lender
NameFLAT BR MTG
TypeMortgage Company
AddressCOLUMBIA, MO 65201
Agreement
AmountAmount on Record
Term360 Months
DueNov 3, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12 Ridgeside Ct was $3,238.

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025$3,238.00$54,489$286,782 Land $65,000 Building $221,782
2023$49,781
2022$262,007 Land $65,000 Building $197,007

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 Ridgeside Ct in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

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
Nearby Flood Policies1 in force
Nearby Flood Claims7 (1979–2015)
Claims Outside the SFHA1 of 7
Most Recent ClaimJun 2015 · rainfall accumulation
Claims by Event
  • Severe Storms & Flooding, Jun 1993 · 2 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

The area around 12 Ridgeside Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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 494 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Wisper ISP.

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