1240 Pinnacle Pointe Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1240 Pinnacle Pointe Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,236 sqft · built 1996
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$147,000 (May 2004)
Tax Bill	$3,430 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A964000061`

Property Details

APN / Parcel Number

Primary APN	`A964000061`
Alternative APN	`4-0033-7282-00-0036.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,236 sqft Living Area
Gross Area	3,008 sqft
1st Floor Area	1,340 sqft
Basement Area	1,280 sqft
Finished Basement	896 sqft
Unfinished Basement	384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	388 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A964000061
Street Address	1240 PINNACLE POINTE DR
City	O FALLON
State	MO
Zip	63368-6747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINNACLE POINTE #2 LOT 36
Legal Subdivision	PINNACLE POINTE #2
Legal Lot Number	36
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3009
Census Tract	311904

Owner

1240 Pinnacle Pointe Dr is owned and occupied by two individuals who bought it in May 2004.

Source: St. Charles County records, as of August 13, 2025

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	1240 PINNACLE POINTE DR, DARDENNE PRAIRIE, MO 63368-6747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Aug 10, 2018	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Oct 17, 2017	Deed of Trust, Mortgage FIRST ST BK/ST CHARLES
Mar 27, 2017	Deed of Trust, Mortgage FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2004 · Amount on File
Deed Sale	May 6, 2004 · Amount on File
Prior Sale	Aug 12, 1998 · Amount on File
Deed Document Number	2004425470
Deed Book / Page	3860 / 902
Prior Transfer Date	Apr 16, 2004
Prior Transfer Doc	0038600902
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1240 PINNACLE POINTE DR, DARDENNE PRAIRIE, MO 63368-6747
Transaction Type	Mortgage
Record Updated	Aug 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1240 PINNACLE POINTE DR, O FALLON, MO 63368-6747

Mortgage

Document Number	2021R065686
Date	Aug 5, 2021
Instrument	2021R-065686

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1240 PINNACLE POINTE DR, DARDENNE PRAIRIE, MO 63368-6747
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069610561
Date	Aug 10, 2018
Book Page	6961/0561
Instrument	20180810000456300

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1240 PINNACLE POINTE DR, DARDENNE PRAIRIE, MO 63368-6747
Document Number	0068282337
Book / Page	006828 / 002337
Instrument Date	Oct 17, 2017
Transaction Type	Mortgage
Record Updated	Nov 1, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1240 PINNACLE POINTE DR O FALLON MO 633686747, O FALLON, MO 63368-6747

Mortgage

Document Number	0068282337
Date	Oct 25, 2017
Book Page	006828/002337
Instrument	671000

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount on Record
Term	180 Months
Due	Oct 24, 2032

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1240 PINNACLE POINTE DR, DARDENNE PRAIRIE, MO 63368-6747
Document Number	0067252161
Book / Page	006725 / 002161
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	May 2, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1240 PINNACLE POINTE DR O FALLON MO 633686747, O FALLON, MO 63368-6747

Mortgage

Document Number	0067252161
Date	Apr 11, 2017
Book Page	006725/002161
Instrument	215710

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount on Record
Term	240 Months
Due	Apr 10, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 1240 Pinnacle Pointe Dr was $3,430, up 5% from the year before.

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Dardenne Prairie City
County	St. Charles County
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,430.00 (+4.96%)	$54,456	$286,613 Land $60,000 Building $226,613
2024	$3,268.00
2023		$50,434
2022			$265,442 Land $45,000 Building $220,442

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 1240 Pinnacle Pointe Dr in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	2 in force

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 1240 Pinnacle Pointe Dr 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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed.

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