309 Pearson Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 309 Pearson Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,439 sqft · built 2011
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Sep 2020)
Tax Bill	$4,250 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit Jun 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T061100060`

Property Details

APN / Parcel Number

Primary APN	`T061100060`
Alternative APN	`3-0037-9824-00-0060.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,439 sqft Living Area
Gross Area	3,386 sqft
1st Floor Area	1,999 sqft
Basement Area	885 sqft
Finished Basement	440 sqft
Unfinished Basement	445 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	502 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T061100060
Street Address	309 PEARSON CT
City	SAINT CHARLES
State	MO
Zip	63304-2668
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ADDYSTON PL #1 LOT 60
Legal Subdivision	ADDYSTON PL #1
Legal Lot Number	60
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311149

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	309 PEARSON CT, SAINT CHARLES, MO 63304-2668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2018	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Jun 13, 2019	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Sep 23, 2020	Warranty Deed, Transfer GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2020 · Amount on Record
Deed Sale	Sep 23, 2020 · Amount on Record
Prior Sale	Sep 23, 2020 · Amount on Record
Deed Document Number	202070614
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	309 PEARSON CT, SAINT CHARLES, MO 63304-2668
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068652346
Date	Jan 11, 2018
Book Page	6865/2346
Instrument	20180111000020500

Lender

Name	FIRST BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	309 PEARSON CT, SAINT CHARLES, MO 63304-2668
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN ELS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070882437
Date	Jun 13, 2019
Book Page	7088/2437
Instrument	20190613000290730

Lender

Name	FIRST BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 23, 2020
Property Address	309 PEARSON CT, SAINT CHARLES, MO 63304-2668
Document Number	0000070614
Instrument Date	Sep 17, 2020
Instrument	70614
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	US TITLE

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	Tenants by the Entirety
Address	309 PEARSON CT ST CHARLES MO 633042668, ST CHARLES, MO 63304-2668

Mortgage

Document Number	70615
Date	Sep 23, 2020
Instrument	70615

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2050

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		$71,667 (-)	$377,196 (-) Building $377,196
2025	$4,250.00	$71,667 (+5.75%)	$377,196 (+5.75%)
2023		$67,769
2022			$356,681 Building $356,681

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Aug 2020 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 5 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 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.02% 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 381 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

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