20 Pershing Lake Dr, Saint Peters, MO 63376 Property Records

St. Charles County property record for 20 Pershing Lake Dr, Saint Peters, MO 63376

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,020 sqft · built 1982
Lot Size	0.413 acres (17,992 sqft)
Owner	2 Individual Names on Record
Last Sale	$221,000 (Jul 2017)
Tax Bill	$4,190 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`549582A032`

Property Details

APN / Parcel Number

Primary APN	`549582A032`
Alternative APN	`3-0009-5210-00-0679.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,020 sqft Living Area
1st Floor Area	1,136 sqft
Basement Area	968 sqft
Finished Basement	581 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	17,992 sqft
Lot Dimensions	173 ft deep x 104 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	112 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	549582A032
Old Parcel Number	549582A032
Street Address	20 PERSHING LAKE DR
City	SAINT PETERS
State	MO
Zip	63376-3202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AB8
Legal Description	PARK CHARLES SOUTH #6 SEC 2 LOT 679
Legal Range	04E
Legal Township	46N
Legal Section	02
Legal Subdivision	PARK CHAS SOUTH #6 SEC 2
Legal Lot Number	679
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	2
Census Block	2004
Census Tract	311331

Owner

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

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	20 PERSHING LAKE DR, SAINT PETERS, MO 63376-3202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2022	Deed of Trust, Mortgage · Line of Credit VANTAGE CU
Jan 20, 2021	Deed of Trust, Mortgage · FHA Mortgage GOODMORTGAGE.COM
Jul 24, 2017	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2017 · Amount on Record
Deed Sale	Jul 24, 2017 · Amount on Record
Deed Document Number	0067792275
Deed Book / Page	6779 / 2275
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	20 PERSHING LAKE DR, SAINT PETERS, MO 63376-3202
Transaction Type	Mortgage
Record Updated	Jun 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028872
Date	May 20, 2022
Instrument	2022R-028872

Lender

Name	VANTAGE CU
Type	Credit Union
Address	SAINT CHARLES, MO 63304

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 13, 2047

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	20 PERSHING LAKE DR, SAINT PETERS, MO 63376-3202
Document Number	0000008207
Instrument Date	Jan 20, 2021
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 PERSHING LAKE DR ST PETERS MO 633763202, ST PETERS, MO 63376-3202

Mortgage

Document Number	0000008207
Date	Jan 28, 2021
Instrument	8207

Lender

Name	GOODMORTGAGE.COM
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 24, 2017
Property Address	20 PERSHING LAKE DR, SAINT PETERS, MO 63376-3202
Document Number	0067792275
Book / Page	006779 / 002275
Instrument Date	Jul 20, 2017
Instrument	458920
Transaction Type	Transfer
Record Updated	Sep 1, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount Recorded
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	Husband and Wife
Address	20 PERSHING LAKE DR ST PETERS MO 633763202, ST PETERS, MO 63376-3202

Mortgage

Document Number	67792277
Date	Jul 24, 2017
Book Page	006779/002277
Instrument	458930

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
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	$4,190.00	$69,824 (+13.9%)	$367,492 (+13.9%) Land $78,000 Building $289,492
2023		$61,305
2022			$322,656 Land $78,000 Building $244,656

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

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 371 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, i3 Broadband, Wisper ISP.

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