12778 Pointe Dr, Saint Louis, MO 63127 Property Records

St. Louis County property record for 12778 Pointe Dr, Saint Louis, MO 63127

Property Summary

Property Type	Single Family Home
Details	18,290 sqft · built 2013
Lot Size	6.72 acres (293,115 sqft)
Owner	Company Name on File
Tax Bill	$46,949 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Nov 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`28M-41-0225`

Property Details

APN / Parcel Number

Primary APN	`28M-41-0225`

Interior

Stories	1 Story
Building Area	18,290 sqft Living Area
Gross Area	24,991 sqft
1st Floor Area	10,422 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Stucco
Construction Type	Wood
Lot Area	293,115 sqft
Terrain	Above Road/Slope
View / Lot	Highway
Garage Type	Attached
Garage Area	973 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Porch
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Well

Location & Zoning

Street Address	12778 POINTE DR
City	SAINT LOUIS
State	MO
Zip	63127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	101R-1
Legal Description	FRIENDSHIP VILLAGE - SOUTH COUNTY (AFFDT 20371-0413) LOT C
Legal Subdivision	FRIENDSHIP VILLAGE - SOUTH COUNTY
Legal Lot Number	C
Jurisdiction	ST LOUIS MO
Township / Civil Division	TESSON FERRY
Census Block Group	3
Census Block	3019
Census Tract	221201

Owner

12778 Pointe Dr, a single family home, is owned by a company.

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

Owner of Record	Company Name on File
Mailing Address	12563 VILLAGE CIRCLE DR, SAINT LOUIS, MO 63127-1701
Owner Type	Company

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
Nov 1, 2018	Deed of Trust, Mortgage UMB BK
Nov 21, 2017	Loan Modification, Mortgage · Line of Credit UMB BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	12778 POINTE DR, SAINT LOUIS, MO 63127
Document Number	0232880617
Instrument Date	Nov 1, 2018
Transaction Type	Mortgage
Record Updated	Dec 6, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12563 VILLAGE CIRCLE DR ST LOUIS MO 631271758, ST LOUIS, MO 63127-1758

Mortgage

Document Number	0232880617
Date	Nov 20, 2018
Book Page	023288/000617
Instrument	121

Lender

Name	UMB BK
Type	Bank
Address	SAINT LOUIS, MO 63102

Agreement

Amount	Amount on Record

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MO
Recording Date	Nov 21, 2017
Property Address	12778 POINTE DR, SAINT LOUIS, MO 63127
Document Number	0227881032
Book / Page	022788 / 001032
Instrument Date	Nov 1, 2017
Instrument	230
Transaction Type	Mortgage
Record Updated	Nov 28, 2017
Title Company	FIRST AMERICAN TITLE INS CO NA

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12563 VILLAGE CIRCLE DR ST LOUIS MO 631271758, ST LOUIS, MO 63127-1758

Mortgage

Document Number	227881032
Date	Nov 21, 2017
Book Page	022788/001032
Instrument	230

Lender

Name	UMB BK
Type	Bank
Address	2 S BROADWAY # 600, ST LOUIS, MO 63102-1704

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 12778 Pointe Dr was $46,949, down 1.9% 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
Municipality	Sunset Hills City
Unified School District	Lindbergh School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$672,170 (-) Land $222,780 Building $449,390	$3,537,700 (-) Land $1,172,500 Building $2,365,200
2025	$46,949.00 (-1.89%)	$672,170 Land $222,780 Building $449,390	$3,537,700 Land $1,172,500 Building $2,365,200
2024	$47,854.00 (+0.22%)
2023	$47,748.00	$669,200 Land $222,780 Building $446,420	$3,522,100 Land $1,172,500 Building $2,349,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12778 Pointe Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2015.

Source: FEMA National Flood Hazard Layer, effective August 10, 2025 · 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	3 in force
Nearby Flood Claims	4 (2015–2024)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jul 2024 · rainfall accumulation

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 12778 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	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 101 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 Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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