12809 Pointe Dr, Saint Louis, MO 63127 Property Records

St. Louis County property record for 12809 Pointe Dr, Saint Louis, MO 63127

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,150 sqft · built 1988
Lot Size	1.48 acres (64,904 sqft)
Owner	2 Individual Names on Record
Last Sale	$610,000 (Sep 2019)
Tax Bill	$9,121 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28M-41-0159`

Property Details

APN / Parcel Number

Primary APN	`28M-41-0159`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,150 sqft Living Area
Gross Area	3,788 sqft
1st Floor Area	2,955 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	64,904 sqft
Lot Dimensions	80 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	161 sqft
Deck Area	270 sqft
Patio Area	270 sqft
Balcony Area	21 sqft
Utility Building	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12809 POINTE DR
City	SAINT LOUIS
State	MO
Zip	63127-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	101R-1
Legal Description	SUNSET POINTE 4 3 87 LOT 26
Legal Subdivision	SUNSET POINTE
Legal Lot Number	26
Jurisdiction	ST LOUIS MO
Township / Civil Division	TESSON FERRY
Census Block Group	3
Census Block	3016
Census Tract	221201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12809 POINTE DR, SAINT LOUIS, MO 63127-1743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
Sep 24, 2019	Warranty Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2019 · Amount on Record
Deed Sale	Sep 24, 2019 · Amount on Record
Deed Document Number	2019674
Deed Book / Page	23710 / 3749
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	12809 POINTE DR, SAINT LOUIS, MO 63127-1743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FREEDOM TITLE LLC ST LOUIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12809 POINTE DR, SAINT LOUIS, MO 63127-1743

Mortgage

Document Number	0241523394
Date	Jul 29, 2020
Book Page	24152/3394
Instrument	2020072900481

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Sep 24, 2019
Property Address	12809 POINTE DR, SAINT LOUIS, MO 63127-1743
Document Number	0237103749
Book / Page	023710 / 003749
Instrument Date	Sep 23, 2019
Instrument	674
Transaction Type	Transfer
Record Updated	Nov 21, 2019
Title Company	INVESTORS TITLE COMPANY-CLAYTON, INVESTORS TITLE CO-CLAYTON

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	12809 POINTE DR ST LOUIS MO 631271743, ST LOUIS, MO 63127-1743

Mortgage

Document Number	237103752
Date	Sep 24, 2019
Book Page	023710/003752
Instrument	675

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2049

Tax Assessment & Valuation

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		$130,590 (-) Land $43,610 Building $86,980	$687,300 (-) Land $229,500 Building $457,800
2025	$9,121.00 (+15.37%)	$130,590 (+10.4%) Land $43,610 Building $86,980	$687,300 (+10.39%) Land $229,500 Building $457,800
2024	$7,906.00 (-6.33%)
2023	$8,440.00	$118,290 Land $33,190 Building $85,100	$622,600 Land $174,700 Building $447,900

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	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	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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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