45 Harbor Pointe Ct, Crystal City, MO 63019 Property Records

Jefferson County property record for 45 Harbor Pointe Ct, Crystal City, MO 63019

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,232 sqft · built 2000
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$166,500 (May 2012)
Tax Bill	$1,768 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-9.0-31.0-4-001-003.11`

Property Details

APN / Parcel Number

Primary APN	`10-9.0-31.0-4-001-003.11`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,232 sqft Living Area
Gross Area	1,632 sqft
1st Floor Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Open Frame Porch
Porch Area	40 sqft
Patio Area	429 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	45 HARBOR POINTE CT
City	CRYSTAL CITY
State	MO
Zip	63019-1002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CT1
Legal Description	RIVERVIEW BEND ESTS 3 PHS 1 LOT 11
Legal Range	6E
Legal Township	41N
Legal Section	31
Legal Subdivision	RIVERVIEW BEND ESTS 3 PHS 1
Legal Block	2
Legal Lot Number	11
Jurisdiction	JEFFERSON MO
Township / Civil Division	RIVER VIEW
Census Block Group	2
Census Block	2034
Census Tract	700700

Owner

45 Harbor Pointe Ct is owned and occupied by two individuals who bought it in May 2012.

Source: Jefferson County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 HARBOR POINTE CT, CRYSTAL CITY, MO 63019-1002
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2012 · Amount on File
Deed Sale	May 23, 2012 · Amount on File
Prior Sale	Nov 28, 2005 · Amount on File
Deed Document Number	201218682
Prior Transfer Date	May 18, 2012
Prior Transfer Doc	0000018682
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	45 HARBOR POINTE CT, CRYSTAL CITY, MO 63019-1002
Transaction Type	Mortgage
Record Updated	May 4, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R016885
Date	Apr 16, 2021
Instrument	2021R-016885

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	254 Months
Due	Jun 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 45 Harbor Pointe Ct was $1,768.

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Municipality	Crystal City
Unified School District	Festus R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$31,400 (-) Land $5,200 Building $26,200	$165,700 Land $27,600 Building $138,100
2025	$1,768.00	$31,400 Land $5,200 Building $26,200
2024			$165,700 (+7.95%) Land $27,600 Building $138,100
2023	$1,680.00	$29,100 Land $5,200 Building $23,900	$153,500 Land $27,600 Building $125,900

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

FEMA maps place 45 Harbor Pointe Ct in Zone X, an area of minimal flood risk, though there have been 41 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 2, 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	2 in force
Nearby Flood Claims	41 (1979–2019)
Claims Outside the SFHA	2 of 41
Most Recent Claim	May 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2019 · 4 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms & Flooding, Jul 1993 · 5 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

Wildfire risk around 45 Harbor 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 97% of the US · lower than 95% 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	FESTUS PWS serves 13,000 people · EPA ID MO6010276
Water Source	Purchased groundwater influenced by surface water from JEFFERSON COUNTY WATER AUTHORITY
Last State Inspection	Feb 2025
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20