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

St. Charles County property record for 315 White Pine Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,260 sqft · built 1987
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$472,000 (Jul 2021)
Tax Bill	$4,847 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860000462`

Property Details

APN / Parcel Number

Primary APN	`A860000462`
Alternative APN	`3-0112-5858-00-0682.0000000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,260 sqft Living Area
Gross Area	4,332 sqft
1st Floor Area	1,335 sqft
Basement Area	1,302 sqft
Finished Basement	670 sqft
Unfinished Basement	632 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	372 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860000462
Street Address	315 WHITE PINE DR
City	SAINT CHARLES
State	MO
Zip	63304-7268
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBERWOOD TRLS #7 LOT 682
Legal Subdivision	TIMBERWOOD TRAILS #7
Legal Lot Number	682
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2025
Census Tract	311114

Owner

315 White Pine Dr is owned and occupied by an individual who bought it in July 2021.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	315 WHITE PINE DR, SAINT CHARLES, MO 63304-7268
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
Jun 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage BAXTER CREDIT UNION
Jul 1, 2021	Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2021 · Amount on File
Deed Sale	Jul 1, 2021 · Amount on File
Prior Sale	Dec 31, 2009 · Amount on File
Deed Document Number	202155726
Prior Transfer Date	Aug 27, 2014
Prior Transfer Doc	0062330994
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jun 29, 2026
Property Address	315 WHITE PINE DR, SAINT CHARLES, MO 63304-7268
Document Number	0000030370
Instrument Date	Jun 18, 2026
Instrument	202630370
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 WHITE PINE DR, SAINT CHARLES, MO 63304-7268

Mortgage

Document Number	0000030370,
Date	Jun 29, 2026
Instrument	202630370

Lender

Name	BAXTER CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 30, 2046

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 1, 2021
Property Address	315 WHITE PINE DR, SAINT CHARLES, MO 63304-7268
Document Number	2021R055726
Map Reference	MB 24 PG 82
Instrument Date	Jun 28, 2021
Instrument	2021R-055726
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2511 FULTON ST, 2511, COTTLEVILLE, MO 63376-2886

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	315 WHITE PINE DR, SAINT CHARLES, MO 63304-7268
Investor	Possibly a Property Investor

Mortgage

Document Number	2021R055727
Date	Jul 1, 2021
Instrument	2021R-055727

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 315 White Pine Dr was $4,847, up 8.2% from the year before.

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		$81,795 (-)	$430,500 (-) Land $70,000 Building $360,500
2025	$4,847.00 (+8.17%)	$81,795	$430,500 Land $70,000 Building $360,500
2024	$4,481.00
2023		$75,107
2022			$395,302 Land $70,000 Building $325,302

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 315 White Pine Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.

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

Wildfire risk around 315 White Pine Dr is low, with less than a 0.01% annual chance of 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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