316 Pearson Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 316 Pearson Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,481 sqft · built 2006
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$312,500 (Aug 2020)
Tax Bill	$5,066 (2025)
Deeds & Mortgages	Mar 2023 Transfer Aug 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`T061100038`

Property Details

APN / Parcel Number

Primary APN	`T061100038`
Alternative APN	`3-0037-9824-00-0038.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,481 sqft Living Area
Gross Area	4,225 sqft
1st Floor Area	1,293 sqft
Basement Area	1,269 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T061100038
Street Address	316 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 38
Legal Subdivision	ADDYSTON PL #1
Legal Lot Number	38
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	316 PEARSON CT, SAINT CHARLES, MO 63304-2668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2023	Intrafamily Transfer, Transfer
Aug 12, 2020	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Oct 4, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 14, 2017	Quit Claim Deed, Transfer Quitclaim
Jun 16, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BUSEY BANK
Jan 26, 2017	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2020 · Amount on Record
Deed Sale	Aug 12, 2020 · Amount on Record
Prior Sale	Aug 12, 2020 · Amount on Record
Deed Document Number	2020577200
Deed Book / Page	7369 / 1841
Last Transfer Date	Mar 7, 2023
Transfer Doc	0000009006
Record Updated	Sep 20, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 10, 2023
Property Address	316 PEARSON CT, SAINT CHARLES, MO 63304-2668
Document Number	0000009006
Instrument Date	Mar 7, 2023
Instrument	2023R-009006
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	316 PEARSON CT, SAINT CHARLES, MO 63304-2668

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 12, 2020
Property Address	316 PEARSON CT, SAINT CHARLES, MO 63304-2668
Document Number	0000577200
Book / Page	7369 / 1841
Map Reference	MB 42 PG 108
Instrument Date	Aug 7, 2020
Instrument	20200812000577200
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	STELLAR TITLE AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	468 CORTEQUAY CT, 468, MANCHESTER, MO 63021-5121

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	316 PEARSON CT, SAINT CHARLES, MO 63304-2668

Mortgage

Document Number	0000577210
Date	Aug 12, 2020
Instrument	20200812000577210

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 4, 2019
Property Address	316 PEARSON CT, SAINT CHARLES, MO 63304-2668
Document Number	0071560348
Book / Page	007156 / 000348
Instrument Date	Oct 2, 2019
Instrument	551980
Transaction Type	Transfer
Record Updated	Oct 28, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 PEARSON CT ST CHARLES MO 633042668, ST CHARLES, MO 63304-2668

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 14, 2017
Property Address	316 PEARSON CT, SAINT CHARLES, MO 63304-2668
Document Number	0067742124
Book / Page	006774 / 002124
Instrument Date	Jul 7, 2017
Instrument	434400
Transaction Type	Transfer
Record Updated	Jul 19, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	316 PEARSON CT ST CHARLES MO 633042668, ST CHARLES, MO 63304-2668

June 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 16, 2017
Property Address	316 PEARSON CT, SAINT CHARLES, MO 63304-2668
Document Number	0000369870
Book / Page	6760 / 1766
Map Reference	MB 42 PG 108
Instrument Date	Jun 14, 2017
Instrument	20170616000369870
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7223 SCOTLAND DR, 7223, O FALLON, MO 63368-7245

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 PEARSON CT, SAINT CHARLES, MO 63304-2668

Mortgage

Document Number	0000369880
Date	Jun 16, 2017
Instrument	20170616000369880

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 26, 2017
Property Address	316 PEARSON CT, SAINT CHARLES, MO 63304-2668
Document Number	0066910802
Book / Page	006691 / 000802
Instrument Date	Jan 18, 2017
Instrument	56250
Transaction Type	Transfer
Record Updated	Feb 27, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7223 SCOTLAND DR O FALLON MO 633687245, O FALLON, MO 63368-7245

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		$85,523 (-)	$450,123 (-) Building $450,123
2025	$5,066.00 (+11.34%)	$85,523 (+11.86%)	$450,123 (+11.86%) Building $450,123
2024	$4,550.00
2023		$76,452
2022			$402,381 Land $70,000 Building $332,381

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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