225 White Pine Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 225 White Pine Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,073 sqft · built 1986
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Last Sale	$279,500 (Nov 2015)
Tax Bill	$4,622 (2025)
Deeds & Mortgages	Mar 2022 Second Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A850001004`

Property Details

APN / Parcel Number

Primary APN	`A850001004`
Alternative APN	`3-0112-5688-00-0767.0000000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,073 sqft Living Area
Gross Area	4,348 sqft
1st Floor Area	1,320 sqft
Basement Area	1,284 sqft
Finished Basement	449 sqft
Unfinished Basement	835 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	Deck Area
Patio Area	295 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A850001004
Street Address	225 WHITE PINE CT
City	SAINT CHARLES
State	MO
Zip	63304-7271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBERWOOD TRLS #6 LOT 767
Legal Subdivision	TIMBERWOOD TRAILS #6
Legal Lot Number	767
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2018
Census Tract	311114

Owner

Source: St. Charles County records, as of August 7, 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	225 WHITE PINE CT, SAINT CHARLES, MO 63304-7271
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREAT SOUTHERN BANK
Oct 27, 2020	Deed of Trust, Mortgage GOLDEN OAK LNDG
Sep 19, 2019	Deed of Trust, Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2015 · Amount on Record
Deed Sale	Nov 4, 2015 · Amount on Record
Deed Document Number	2015730670
Deed Book / Page	6446 / 447
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	225 WHITE PINE CT, SAINT CHARLES, MO 63304-7271
Transaction Type	Mortgage
Record Updated	Mar 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 WHITE PINE CT, SAINT CHARLES, MO 63304-7271

Mortgage

Document Number	0000014433
Date	Mar 11, 2022
Instrument	2022R-014433

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	SPRINGFIELD, MO 65801

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 9, 2032

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	225 WHITE PINE CT, SAINT CHARLES, MO 63304-7271
Document Number	0000084917
Instrument Date	Oct 27, 2020
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	225 WHITE PINE CT ST CHARLES MO 633047271, ST CHARLES, MO 63304-7271

Mortgage

Document Number	0000084917
Date	Nov 4, 2020
Instrument	84917

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	225 WHITE PINE CT, SAINT CHARLES, MO 63304-7271
Document Number	0071491963
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	225 WHITE PINE CT ST CHARLES MO 633047271, ST CHARLES, MO 63304-7271

Mortgage

Document Number	0071491963
Date	Sep 26, 2019
Book Page	007149/001963
Instrument	529010

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$77,989 (-)	$410,469 (-) Land $70,000 Building $340,469
2025	$4,622.00	$77,989 (+8.37%)	$410,469 (+8.37%) Land $70,000 Building $340,469
2023		$71,964
2022			$378,758 Land $70,000 Building $308,758

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 · 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 Claims	2 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 2 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

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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Wisper ISP.

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