St. Charles County property record for 44 Rainier Pointe Ct, Saint Charles, MO 63301
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 3 ba · 2,352 sqft · built 2001 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $75,500 (Oct 2021) |
| Deeds & Mortgages | May 2018 Mortgage Oct 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T020700102 |
| Primary APN | T020700102 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,352 sqft Living Area |
| Gross Area | 3,524 sqft |
| 1st Floor Area | 1,552 sqft |
| Basement Area | 1,552 sqft |
| Finished Basement | 800 sqft |
| Unfinished Basement | 752 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| 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 | 132 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T020700102 |
|---|---|
| Street Address | 44 RAINIER POINTE CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-8405 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | VILLAS AT SUMMIT PT #3 & #4 RESUB 27-28 & 31 & ADJ 28 UNIT 28B |
| Legal Subdivision | VILLAS AT SUMMIT POINTE #4 RE-RESUB #3 L |
| Legal Lot Number | 28B |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 310301 |
44 Rainier Pointe Ct, a condominium, is owned by two individuals who acquired it in September 2024.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 36 WELCOME DR, CAMDENTON, MO 65020-4224 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 23, 2018 | Deed of Trust, Mortgage · ARM FIRST COMMUNITY CU |
| Oct 14, 2021 | Warranty Deed, Transfer · Conventional Mortgage CARROLLTON BANK |
| Jul 12, 2021 | Warranty Deed, Transfer TRUSTED TITLE AND CLOSING LLC, TRUSTED TITLE & CLOSING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2021 · Amount on File |
| Deed Sale | Oct 14, 2021 · Amount on File |
| Prior Sale | Jul 12, 2021 · Amount on File |
| Deed Document Number | 202185432 |
| Last Transfer Date | Sep 5, 2024 |
| Transfer Doc | 0000036854 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 44 RAINIER POINTE CT, SAINT CHARLES, MO 63301-8405 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 0000283830 |
|---|---|
| Date | May 23, 2018 |
| Book Page | 6922/2182 |
| Instrument | 20180523000283830 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Jun 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 14, 2021 |
| Property Address | 44 RAINIER POINTE CT, SAINT CHARLES, MO 63301-8405 |
| Document Number | 0000085432 |
| Map Reference | MB 38 PG 148 |
| Instrument Date | Oct 7, 2021 |
| Instrument | 2021R-085432 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | TRUSTED TITLE AND CLOSING LLC, TRUSTED TITLE & CLOSING LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44 RAINIER POINTE CT, SAINT CHARLES, MO 63301-8405 |
| Document Number | 0000085433 |
|---|---|
| Date | Oct 14, 2021 |
| Instrument | 2021R-085433 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 12, 2021 |
| Property Address | 44 RAINIER POINTE CT, SAINT CHARLES, MO 63301-8405 |
| Document Number | 0000058378 |
| Map Reference | MB 38 PG 148 |
| Instrument Date | Jun 29, 2021 |
| Instrument | 2021R-058378 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Title Company | TRUSTED TITLE AND CLOSING LLC, TRUSTED TITLE & CLOSING LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $55,312 | $291,115 Building $291,115 |
| 2023 | $51,329 | |
| 2022 | $270,155 Building $270,155 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44 Rainier Pointe Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|
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 risk around 44 Rainier Pointe Ct 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 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.
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 |
| 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.
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 |
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