12 Towerbridge Pl, Saint Charles, MO 63303 Property Records

St. Charles County property record for 12 Towerbridge Pl, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,814 sqft · built 2012
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Aug 2017)
Tax Bill	$6,375 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T070800561`

Property Details

APN / Parcel Number

Primary APN	`T070800561`
Alternative APN	`3-0162-A210-00-006A.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,814 sqft Living Area
Gross Area	6,425 sqft
1st Floor Area	2,301 sqft
Basement Area	2,301 sqft
Finished Basement	1,400 sqft
Unfinished Basement	901 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	710 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070800561
Street Address	12 TOWERBRIDGE PL
City	SAINT CHARLES
State	MO
Zip	63303-4802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TALBRIDGE VLGS A-C LOT 6A
Legal Subdivision	TALBRIDGE VLGS A-C
Legal Lot Number	6A
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	3
Census Block	3008
Census Tract	311004

Owner

12 Towerbridge Pl is owned and occupied by two individuals who bought it in August 2017.

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 Record	2 Individual Names on File
Mailing Address	12 TOWERBRIDGE PL, SAINT CHARLES, MO 63303-4802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Deed of Trust, Mortgage QUICKEN LNS
Aug 14, 2019	Deed of Trust, Mortgage QUICKEN LNS
Aug 1, 2017	Warranty Deed, Transfer · Conventional Mortgage

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2017 · Amount on File
Deed Sale	Aug 1, 2017 · Amount on File
Prior Sale	Apr 18, 2013 · Amount on File
Deed Document Number	2017475190
Deed Book / Page	6783 / 1580
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	12 TOWERBRIDGE PL, SAINT CHARLES, MO 63303-4802
Document Number	0073280711
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Aug 21, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 TOWERBRIDGE PL ST CHARLES MO 633034802, ST CHARLES, MO 63303-4802

Mortgage

Document Number	0073280711
Date	Jun 24, 2020
Book Page	007328/000711
Instrument	432210

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 23, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	12 TOWERBRIDGE PL, SAINT CHARLES, MO 63303-4802
Document Number	0071251082
Instrument Date	Aug 14, 2019
Transaction Type	Mortgage
Record Updated	Sep 9, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 TOWERBRIDGE PL ST CHARLES MO 633034802, ST CHARLES, MO 63303-4802

Mortgage

Document Number	0071251082
Date	Aug 19, 2019
Book Page	007125/001082
Instrument	435900

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 18, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 1, 2017
Property Address	12 TOWERBRIDGE PL, SAINT CHARLES, MO 63303-4802
Document Number	0067831580
Book / Page	6783 / 1580
Map Reference	MB 44 PG 26
Instrument Date	Jul 21, 2017
Instrument	20170801000475190
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9300 COIT RD, 9300, PLANO, TX 75025-4481

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 TOWERBRIDGE PL, SAINT CHARLES, MO 63303-4802

Mortgage

Document Number	, 20170801000475200
Date	Aug 1, 2017
Instrument	20170801000475200

Lender

Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12 Towerbridge Pl was $6,375.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$111,078 (-)	$584,620 (-) Land $90,000 Building $494,620
2025	$6,375.00	$111,078	$584,620 Land $90,000 Building $494,620
2023		$106,604
2022			$561,073 Land $65,000 Building $496,073

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 Towerbridge Pl in Zone X, an area of minimal flood risk, though there have been 49 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	49 (1979–1995)
Claims Outside the SFHA	4 of 49
Most Recent Claim	Jun 1995 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Hail, Flooding, Jun 1995 · 2 claims Severe Storms & Flooding, Sep 1993 · 18 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

Wildfire risk around 12 Towerbridge Pl 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	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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