St. Charles County property record for 525 Upper Ridgepointe Ct, Lake Saint Louis, MO 63367
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,722 sqft · built 2022 |
| Lot Size | 0.262 acres (11,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,000 (Mar 2022) |
| Tax Bill | $7,816 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Feb 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T161800027 |
| Primary APN | T161800027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,722 sqft Living Area |
| Gross Area | 4,676 sqft |
| Basement Area | 1,954 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Lot Area | 11,400 sqft (0.262 acres) |
| Parking Spaces | 3 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T161800027 |
|---|---|
| Street Address | 525 UPPER RIDGEPOINTE CT |
| City | LAKE SAINT LOUIS |
| State | MO |
| Zip | 63367-2669 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VILLAS AT RIDGEPOINTE #5 LOT 32 |
| Legal Subdivision | VILLAS AT RIDGEPOINTE #5 |
| Legal Lot Number | 32 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LAKE ST. LOUIS |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 311904 |
525 Upper Ridgepointe Ct is owned and occupied by two individuals who bought it in March 2022.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 525 UPPER RIDGEPOINTE CT, LAKE SAINT LOUIS, MO 63367-2669 |
| 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.
| Date | Document |
|---|---|
| Jun 6, 2022 | Deed of Trust, Mortgage · Line of Credit THE MISSOURI BANK |
| Feb 23, 2023 | Deed of Trust, Mortgage · Conventional Mortgage TOGETHER CU |
| Mar 24, 2022 | Warranty Deed, Transfer · Line of Credit THE MISSOURI BANK |
| Dec 23, 2020 | Warranty Deed, Subdivision Related Transfer SELECT TITLE GROUP |
| Feb 11, 2019 | Deed of Trust, Mortgage · Line of Credit BUSEY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2022 · Amount on File |
| Deed Sale | Mar 24, 2022 · Amount on File |
| Prior Sale | Dec 23, 2020 · Amount on File |
| Deed Document Number | 202217189 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 525 UPPER RIDGEPOINTE CT, LAKE SAINT LOUIS, MO 63367-2669 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 600 LUBBUCK CT, MOSCOW MILLS, MO 63362-0411 |
| Document Number | 0000031666 |
|---|---|
| Date | Jun 6, 2022 |
| Instrument | 2022R-031666 |
| Name | THE MISSOURI BANK |
|---|---|
| Type | Bank |
| Address | WARRENTON, MO 63383 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 7 Months |
| Due | Jan 29, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 525 UPPER RIDGEPOINTE CT, LAKE SAINT LOUIS, MO 63367-2669 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 610 SUNNY PASS DR, WENTZVILLE, MO 63385-8967 |
| Document Number | 0000006603 |
|---|---|
| Date | Feb 23, 2023 |
| Instrument | 2023R-006603 |
| Name | TOGETHER CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.03% |
| Type Change Date | Mar 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 7.03% |
| Index | Other |
| Max Rate | 10% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 24, 2022 |
| Property Address | 525 UPPER RIDGEPOINTE CT, LAKE SAINT LOUIS, MO 63367-2669 |
| Document Number | 0000017189 |
| Map Reference | MB 48 PG 198 |
| Instrument Date | Mar 21, 2022 |
| Instrument | 2022R-017189 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | NOT AVAILABLE, UST |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1715 CANARY CV, BRENTWOOD, MO 63144-1605 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 902 BRIDLE SPUR LN, LAKE ST LOUIS, MO 63367-2039 |
| Document Number | 0000017190 |
|---|---|
| Date | Mar 24, 2022 |
| Instrument | 2022R-017190 |
| Name | THE MISSOURI BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Mar 21, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 23, 2020 |
| Property Address | 525 UPPER RIDGEPOINTE CT, LAKE SAINT LOUIS, MO 63367-2669 |
| Document Number | 0000101437 |
| Instrument Date | Dec 17, 2020 |
| Instrument | 101437 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 17, 2021 |
| Title Company | SELECT TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 525 UPPER RIDGEPOINTE CT LAKE ST LOUIS MO 633672669, LAKE ST LOUIS, MO 63367-2669 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 525 UPPER RIDGEPOINTE CT, LAKE SAINT LOUIS, MO 63367-2669 |
| Document Number | 0070360722 |
| Instrument Date | Feb 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2019 |
| Title Company | ORT TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 320 N BEMISTON AVE ST LOUIS MO 631053830, ST LOUIS, MO 63105-3830 |
| Document Number | 0070360722 |
|---|---|
| Date | Feb 15, 2019 |
| Book Page | 007036/000722 |
| Instrument | 69820 |
| Name | BUSEY BK |
|---|---|
| Type | Bank |
| Address | CHESTERFIELD VALLEY, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 525 Upper Ridgepointe Ct was $7,816.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | Lake St. Louis City |
| Unified School District | Wentzville R-IV School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $112,041 (-) | $589,692 (-) Land $80,000 Building $509,692 | |
| 2025 | $7,816.00 | $112,041 | $589,692 Land $80,000 Building $509,692 |
| 2023 | $9,500 | ||
| 2022 | $50,000 Land $50,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 525 Upper Ridgepointe Ct in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 525 Upper Ridgepointe 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 99.1% of the US · lower than 98.2% 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 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 |
| 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 271 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 | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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