720 Tinsley Ct, Cottleville (Saint Charles), MO 63304 Property Records

St. Charles County property record for 720 Tinsley Ct, Cottleville, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,524 sqft · built 2018
Lot Size	0.417 acres (18,165 sqft)
Owner	2 Individual Names on File
Last Sale	$494,305 (Mar 2019)
Tax Bill	$7,945 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T181500108`

Property Details

APN / Parcel Number

Primary APN	`T181500108`
Alternative APN	`3-0106-C608-00-0013.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,524 sqft Living Area
Basement Area	2,524 sqft

Exterior

Year Built	Built 2018
Exterior Material	Stone
Lot Area	18,165 sqft (0.417 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T181500108
Street Address	720 TINSLEY CT
City	COTTLEVILLE
State	MO
Zip	63304-7127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHFORD KNOLL #2 LOT 13
Legal Range	03E
Legal Township	46N
Legal Subdivision	ASHFORD KNOLL #2
Legal Lot Number	13
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3002
Census Tract	311124

Owner

720 Tinsley Ct is owned and occupied by two individuals who bought it in March 2019.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	720 TINSLEY CT, COTTLEVILLE, MO 63304-7127
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

Date	Document
Oct 11, 2019	Deed of Trust, Mortgage TIAA FSB
Mar 22, 2019	Warranty Deed, Subdivision Related Transfer TIAA FSB
Nov 30, 2018	Trustee's Deed, Construction Loan · Construction Mortgage MIDWEST BANKCENTRE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2019 · Amount on File
Deed Sale	Mar 22, 2019 · Amount on File
Deed Document Number	0070492115
Deed Book / Page	7049 / 2115
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	720 TINSLEY CT, COTTLEVILLE, MO 63304-7127
Document Number	0071681435
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	136 LAKE TUCCI CIR WRIGHT CITY MO 633902826, WRIGHT CITY, MO 63390-2826

Mortgage

Document Number	0071681435
Date	Oct 24, 2019
Book Page	007168/001435
Instrument	599970

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2049

March 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 22, 2019
Property Address	720 TINSLEY CT, COTTLEVILLE, MO 63304-7127
Document Number	0070492115
Book / Page	007049 / 002115
Instrument Date	Mar 22, 2019
Instrument	128070
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 11, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	720 TINSLEY CT COTTLEVILLE MO 633047127, COTTLEVILLE, MO 63304-7127

Mortgage

Document Number	70492117
Date	Mar 22, 2019
Book Page	007049/002117
Instrument	128080

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 21, 2049

November 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 30, 2018
Property Address	720 TINSLEY CT, COTTLEVILLE, MO 63304-7127
Document Number	0070081541
Book / Page	007008 / 001541
Instrument Date	Nov 27, 2018
Instrument	670670
Transaction Type	Construction Loan
Record Updated	Dec 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10407 BAUR BLVD #B ST LOUIS MO 631321904, B, ST LOUIS, MO 63132-1904
Investor	Possibly a Property Investor

Mortgage

Document Number	70081541
Date	Nov 30, 2018
Book Page	007008/001541
Instrument	670670

Lender

Name	MIDWEST BANKCENTRE
Type	Bank
Address	SAINT LOUIS, MO 63125

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 720 Tinsley Ct was $7,945.

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Cottleville City
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,945.00	$129,318	$680,620
2023		$113,806
2022			$598,981 Land $70,000 Building $528,981

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 720 Tinsley Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2017 · other causes

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 720 Tinsley Ct is low, with 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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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