28 Pitman Hill Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 28 Pitman Hill Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,637 sqft · built 1962
Lot Size	1.06 acres (46,174 sqft)
Owner	2 Individual Names on File
Last Sale	$167,450 (Aug 2014)
Tax Bill	$3,495 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T031100216`

Property Details

APN / Parcel Number

Primary APN	`T031100216`
Alternative APN	`3-0132-0016-00-0006.6000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,637 sqft Living Area
Gross Area	3,342 sqft
1st Floor Area	1,510 sqft
Basement Area	1,326 sqft
Finished Basement	1,127 sqft
Unfinished Basement	199 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	46,174 sqft (1.06 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	162 sqft
Patio Area	162 sqft

Location & Zoning

Account Number	T031100216
Street Address	28 PITMAN HILL RD
City	SAINT CHARLES
State	MO
Zip	63304-0524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SUR 16 E CO RD
Legal Subdivision	US SURV 16
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311132

Owner

28 Pitman Hill Rd is owned and occupied by two individuals who bought it in August 2014.

Source: St. Charles County records, as of November 10, 2025

Owner of Record	2 Individual Names on File
Mailing Address	28 PITMAN HILL RD, SAINT CHARLES, MO 63304-0524
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 29, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2014 · Amount on File
Deed Sale	Aug 18, 2014 · Amount on File
Prior Sale	Nov 26, 2013 · Amount on File
Deed Document Number	2014449500
Deed Book / Page	6229 / 199
Prior Transfer Date	Aug 15, 2007
Prior Transfer Doc	0048411298
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	28 PITMAN HILL RD, SAINT CHARLES, MO 63304-0524
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 PITMAN HILL RD, SAINT CHARLES, MO 63304-0524

Mortgage

Document Number	0000048223
Date	Oct 29, 2025
Instrument	2025R-048223

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Nov 18, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	28 PITMAN HILL RD, SAINT CHARLES, MO 63304-0524
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	COPPER TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 PITMAN HILL RD, SAINT CHARLES, MO 63304-0524

Mortgage

Document Number	2021R024012
Date	Mar 18, 2021
Instrument	2021R-024012

Lender

Name	JLB CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 28 Pitman Hill Rd was $3,495, up 4.7% from the year before.

Source: St. Charles County assessment roll, as of August 13, 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	$3,495.00 (+4.73%)	$58,851	$309,744 Land $65,000 Building $244,744
2024	$3,337.00
2023		$55,813
2022			$293,751 Land $60,000 Building $233,751

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 28 Pitman Hill Rd in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1979.

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	1 in force
Nearby Flood Claims	26 (1979–2019)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jan 2016 · 5 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 3 claims Severe Storms & Flooding, Sep 1993 · 9 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

Wildfire risk around 28 Pitman Hill Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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