306 White Pine Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 306 White Pine Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,546 sqft · built 1986
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Owner Names on File
Last Sale	$238,000 (Apr 2004)
Tax Bill	$4,465 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860000509`

Property Details

APN / Parcel Number

Primary APN	`A860000509`
Alternative APN	`3-0112-5858-00-0729.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,546 sqft Living Area
1st Floor Area	1,273 sqft
Basement Area	1,246 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	59 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A860000509
Old Parcel Number	A860000509
Street Address	306 WHITE PINE DR
City	SAINT CHARLES
State	MO
Zip	63304-7267
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBERWOOD TRLS #7 LOT 729
Legal Range	03E
Legal Township	46N
Legal Subdivision	TIMBERWOOD TRAILS #7
Legal Lot Number	729
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2018
Census Tract	311114

Owner

Source: St. Charles County records · APN A860000509

Assessment roll updated July 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	306 WHITE PINE DR, SAINT CHARLES, MO 63304-7267
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 09, 2004 · Amount on Record
Deed Sale	Apr 09, 2004 · Amount on Record
Deed Document Number	0003833332
Deed Book / Page	3833 / 332
Record Updated	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	306 WHITE PINE DR, SAINT CHARLES, MO 63304-7267
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 WHITE PINE DR, SAINT CHARLES, MO 63304-7267

Mortgage

Document Number	2021R048286
Date	Jun 07, 2021
Instrument	2021R-048286

Lender

Name	FRONTIER FINANCIAL INC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 01, 2036

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,465.00	$75,321 (+9.39%)	$396,428 (+9.39%) Land $70,000 Building $326,428
2023		$68,853
2022			$362,386 Land $70,000 Building $292,386

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111142, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
WH i3B Bidco LLC/WH i3B Topco 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 USA, Wisper ISP.

Based on FCC filings for 234 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MO6010716, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.