12178 Regency Dr, Saint Louis, MO 63128 Property Records

St. Louis County property record for 12178 Regency Dr, Saint Louis, MO 63128

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,560 sqft · built 1981
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Aug 2018)
Tax Bill	$5,677 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28L-31-0456`

Property Details

APN / Parcel Number

Primary APN	`28L-31-0456`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,560 sqft Living Area
Gross Area	3,242 sqft
1st Floor Area	2,560 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Raised
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	174 ft deep x 103 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	682 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	110 sqft
Patio Area	598 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	12178 REGENCY DR
City	SAINT LOUIS
State	MO
Zip	63128-1770
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	SOUTHWICK PLAT 11 5 21 80 LOT 79
Legal Subdivision	SOUTHWICK PLAT 11
Legal Lot Number	79
Jurisdiction	ST LOUIS MO
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1010
Census Tract	221337

Owner

12178 Regency Dr is owned and occupied by two individuals who acquired it in April 2019.

Source: St. Louis County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12178 REGENCY DR, SAINT LOUIS, MO 63128-1770
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

Date	Document
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED FIDELITY FUNDING CORP
Aug 23, 2019	Deed of Trust, Mortgage BANK OF SPRINGFIELD
Aug 6, 2018	Warranty Deed, Transfer CONTINENTAL TITLE HOLDING COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2018 · Amount on File
Deed Sale	Aug 6, 2018 · Amount on File
Deed Document Number	2018586
Deed Book / Page	23140 / 3174
Last Transfer Date	Apr 19, 2019
Transfer Doc	02349202331
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	12178 REGENCY DR, SAINT LOUIS, MO 63128-1770
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12178 REGENCY DR, SAINT LOUIS, MO 63128-1770

Mortgage

Document Number	0241763841
Date	Aug 5, 2020
Book Page	24176/3841
Instrument	2020080501177

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company
Address	RIVERSIDE, MO 64150

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	12178 REGENCY DR, SAINT LOUIS, MO 63128-1770
Document Number	0236780417
Instrument Date	Aug 23, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	US TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12178 REGENCY DR ST LOUIS MO 631281770, ST LOUIS, MO 63128-1770

Mortgage

Document Number	0236780417
Date	Aug 30, 2019
Book Page	023678/000417
Instrument	85

Lender

Name	BANK OF SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62703

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Aug 6, 2018
Property Address	12178 REGENCY DR, SAINT LOUIS, MO 63128-1770
Document Number	0231403174
Book / Page	023140 / 003174
Instrument Date	Aug 1, 2018
Instrument	586
Transaction Type	Transfer
Record Updated	Oct 16, 2018
Title Company	CONTINENTAL TITLE HOLDING COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12178 REGENCY DR ST LOUIS MO 631281770, ST LOUIS, MO 63128-1770

Tax Assessment & Valuation

The 2025 property tax bill for 12178 Regency Dr was $5,677, up 7.5% from the year before.

Source: St. Louis County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Unified School District	Lindbergh School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$89,380 (-) Land $22,400 Building $66,980	$470,400 (-) Land $117,900 Building $352,500
2025	$5,677.00 (+7.52%)	$89,380 Land $22,400 Building $66,980	$470,400 Land $117,900 Building $352,500
2024	$5,280.00 (+0.25%)
2023	$5,267.00 (+4.65%)	$81,320 (+8.46%) Land $20,540 Building $60,780	$428,000 Land $108,100 Building $319,900
2022	$5,033.00	$74,980 Land $20,540 Building $54,440
2021			$394,600 Land $108,100 Building $286,500

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 12178 Regency Dr 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 10, 2025

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

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

Wildfire

The area around 12178 Regency Dr 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 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	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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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