1289 Pinnacle Pointe Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1289 Pinnacle Pointe Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,580 sqft · built 1996
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,621 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A964000076`

Property Details

APN / Parcel Number

Primary APN	`A964000076`
Alternative APN	`4-0033-7282-00-0091.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,580 sqft Living Area
Gross Area	3,627 sqft
1st Floor Area	1,580 sqft
Basement Area	1,543 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A964000076
Street Address	1289 PINNACLE POINTE DR
City	O FALLON
State	MO
Zip	63368-6750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINNACLE POINTE #2 LOT 91
Legal Subdivision	PINNACLE POINTE #2
Legal Lot Number	91
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3011
Census Tract	311904

Owner

Source: St. Charles County records, as of August 7, 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	1289 PINNACLE POINTE DR, O FALLON, MO 63368-6750
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UMB BANK NA
Mar 12, 2021	Deed of Trust, Mortgage · Line of Credit UMB BANK NA
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 17, 2019
Transfer Doc	0072022486
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1289 PINNACLE POINTE DR, DARDENNE PRAIRIE, MO 63368-6750
Transaction Type	Mortgage
Record Updated	Feb 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1289 PINNACLE POINTE DR, O FALLON, MO 63368-6750

Mortgage

Document Number	0000005696
Date	Feb 13, 2024
Instrument	2024R-005696

Lender

Name	UMB BANK NA
Type	Bank
Address	O FALLON, MO 63366

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1289 PINNACLE POINTE DR, DARDENNE PRAIRIE, MO 63368-6750
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1289 PINNACLE POINTE DR, O FALLON, MO 63368-6750

Mortgage

Document Number	2021R022297
Date	Mar 12, 2021
Instrument	2021R-022297

Lender

Name	UMB BANK NA
Type	Bank
Address	O FALLON, MO 63366

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1289 PINNACLE POINTE DR, DARDENNE PRAIRIE, MO 63368-6750
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073122091
Date	Jun 5, 2020
Book Page	7312/2091
Instrument	20200605000374290

Lender

Name	PROVIDENCE BANK
Type	Bank
Address	JEFFERSON CITY, MO 65109

Agreement

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

Tax Assessment & Valuation

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

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
2026		$58,017 (+0.87%)	$305,353 (+0.87%) Land $54,000 Building $251,353
2025	$3,621.00 (+2.84%)	$57,519 (+5.8%)	$302,732 (+5.8%) Land $54,000 Building $248,732
2024	$3,521.00
2023		$54,367
2022			$286,140 Land $40,500 Building $245,640

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

Flood

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

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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