St. Charles County property record for 312 Pearson Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,708 sqft · built 2013 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $424,200 (Jul 2026) |
| Tax Bill | $5,320 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2025 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T061100037 |
| Primary APN | T061100037 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,708 sqft Living Area |
| Gross Area | 4,322 sqft |
| 1st Floor Area | 1,494 sqft |
| Basement Area | 1,214 sqft |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T061100037 |
|---|---|
| Street Address | 312 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 37 |
| Legal Subdivision | ADDYSTON PL #1 |
| Legal Lot Number | 37 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 311149 |
Source: St. Charles County records, as of August 11, 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 | 312 PEARSON CT, SAINT CHARLES, MO 63304-2668 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jul 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Nov 20, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2026 · Amount on Record |
| Deed Sale | Jul 29, 2026 · Amount on Record |
| Prior Sale | Jul 31, 2024 · Amount on Record |
| Deed Document Number | 202635545 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 29, 2026 |
| Property Address | 312 PEARSON CT, SAINT CHARLES, MO 63304-2668 |
| Document Number | 0000035545 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 202635545 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 312 PEARSON CT, SAINT CHARLES, MO 63304-2668 |
| Document Number | 0000035546, |
|---|---|
| Date | Jul 29, 2026 |
| Instrument | 202635546 |
| Name | REGIONS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 312 PEARSON CT, SAINT CHARLES, MO 63304-2668 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 312 PEARSON CT, SAINT CHARLES, MO 63304-2668 |
| Document Number | 0000052333 |
|---|---|
| Date | Nov 20, 2025 |
| Instrument | 2025R-052333 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2045 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $89,833 (-) | $472,807 (-) Building $472,807 | |
| 2025 | $5,320.00 | $89,833 (+12.13%) | $472,807 (+12.13%) Building $472,807 |
| 2023 | $80,117 | ||
| 2022 | $421,670 Land $70,000 Building $351,670 |
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.
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 |
|
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.
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.
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 |
| 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.
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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