16 Rainier Pointe Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 16 Rainier Pointe Ct, Saint Charles, MO 63301

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 2,469 sqft · built 2000
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on Record
Last Sale	$326,000 (Oct 2022)
Tax Bill	$3,674 (2025)
Deeds & Mortgages	Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T010700058`

Property Details

APN / Parcel Number

Primary APN	`T010700058`
Alternative APN	`6-0001-8625-00-022A.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,469 sqft Living Area
Gross Area	3,634 sqft
1st Floor Area	1,622 sqft
Basement Area	1,592 sqft
Finished Basement	847 sqft
Unfinished Basement	745 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Spanish
Exterior Material	Brick/Stone
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft
Patio Area	121 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T010700058
Street Address	16 RAINIER POINTE CT
City	SAINT CHARLES
State	MO
Zip	63301-8404
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	VILLAS AT SUMMIT PT #4 RESUB ADJ LOT 22 UNIT 22A
Legal Subdivision	VILLAS AT SUMMIT POINTE #4 RESUB ADJD LO
Legal Lot Number	22
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2002
Census Tract	310301

Owner

Source: St. Charles County records, as of September 10, 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	16 RAINIER POINTE CT, 22A, SAINT CHARLES, MO 63301-8404
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2022 · Amount on Record
Deed Sale	Oct 4, 2022 · Amount on Record
Prior Sale	Dec 16, 2009 · Amount on Record
Deed Document Number	202254421
Prior Transfer Date	Dec 14, 2009
Prior Transfer Doc	0053110033
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 4, 2022
Property Address	16 RAINIER POINTE CT, SAINT CHARLES, MO 63301-8404
Document Number	0000054421
Map Reference	MB 37 PG 234
Instrument Date	Sep 29, 2022
Instrument	2022R-054421
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	OLD REPUBLIC TITLE, ORT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 RAINIER POINTE CT # 22A, 22A, SAINT CHARLES, MO 63301-8404

Mortgage

Document Number	0000054422
Date	Oct 4, 2022
Instrument	2022R-054422

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$58,668 (-)	$308,779 (-) Building $308,779
2025	$3,674.00 (+14.45%)	$58,668 (+7.59%)	$308,779 (+7.59%)
2023		$54,527 (+16.68%)
2022	$3,210.00	$46,733	$286,986 (+16.68%) Building $286,986
2021			$245,964

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 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	75 (1979–2015)
Claims Outside the SFHA	1 of 75
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Flooding, Jun 2011 · 3 claims Severe Storms And Flooding, Jul 2008 · 2 claims Severe Storms & Flooding, Aug 1993 · 25 claims

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 99.8% of the US · lower than 99.6% 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 PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) 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 311 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 DSL · Fiber, Fixed Wireless in parts of the area	100 / 20