St. Charles County property record for 1028 Pine St, Saint Charles, MO 63301
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 1 ba · 1,278 sqft · built 1950 |
| Lot Size | 0.086 acres (3,750 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,828 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Apr 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 029880A000 |
| Primary APN | 029880A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,278 sqft Living Area |
| 1st Floor Area | 792 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,750 sqft (0.086 acres) |
| Lot Dimensions | 150 ft deep x 25 ft wide |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 029880A000 |
|---|---|
| Street Address | 1028 PINE ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4710 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | AF0 |
| Legal Description | MCELHENEYS ADDN BLK 302 1/2 LOT 18 |
| Legal Subdivision | MCELHENEYS ADDN-ST CHAS |
| Legal Block | 302 |
| Legal Lot Number | 18 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 310302 |
Source: St. Charles County records, as of August 13, 2025
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 | 1028 PINE ST, SAINT CHARLES, MO 63301-4710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Apr 29, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 29, 2021 |
| Transfer Doc | 2021R037812 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1028 PINE ST, SAINT CHARLES, MO 63301-4710 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1028 PINE ST, SAINT CHARLES, MO 63301-4710 |
| Document Number | 2021R084356 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 2021R-084356 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 29, 2021 |
| Property Address | 1028 PINE ST, SAINT CHARLES, MO 63301-4710 |
| Document Number | 2021R037812 |
| Map Reference | MB 2 PG 27 |
| Instrument Date | Apr 29, 2021 |
| Instrument | 2021R-037812 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1028 PINE ST, SAINT CHARLES, MO 63301-4710 |
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,828.00 (+9.46%) | $28,946 (+12.34%) | $152,351 (+12.35%) Land $45,000 Building $107,351 |
| 2024 | $1,670.00 | ||
| 2023 | $25,766 | ||
| 2022 | $135,609 Land $45,000 Building $90,609 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 63 (1979–2022) |
| Claims Outside the SFHA | 3 of 63 |
| Most Recent Claim | Jul 2022 · Severe Storms 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.
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 | 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 670 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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