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

St. Charles County property record for 318 White Pine Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,612 sqft · built 1986
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,234 (Sep 2019)
Tax Bill	$5,091 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860000506`

Property Details

APN / Parcel Number

Primary APN	`A860000506`
Alternative APN	`3-0112-5858-00-0726.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,612 sqft Living Area
Gross Area	4,379 sqft
1st Floor Area	1,335 sqft
Basement Area	1,302 sqft
Finished Basement	975 sqft
Unfinished Basement	327 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
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	92 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860000506
Street Address	318 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 726
Legal Subdivision	TIMBERWOOD TRAILS #7
Legal Lot Number	726
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2018
Census Tract	311114

Owner

Source: St. Charles County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	318 WHITE PINE DR, SAINT CHARLES, MO 63304-7267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BELLEVILLE
Sep 25, 2019	Warranty Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2019 · Amount on Record
Deed Sale	Sep 25, 2019 · Amount on Record
Prior Sale	Oct 1, 2012 · Amount on Record
Deed Document Number	2019525880
Deed Book / Page	7148 / 2114
Prior Transfer Date	Dec 10, 2012
Prior Transfer Doc	0059155915
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	318 WHITE PINE DR, SAINT CHARLES, MO 63304-7267
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	TRUE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 WHITE PINE DR, SAINT CHARLES, MO 63304-7267

Mortgage

Document Number	2021R015393
Date	Feb 22, 2021
Instrument	2021R-015393

Lender

Name	BANK OF BELLEVILLE
Type	Bank
Address	BELLEVILLE, IL 62220

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 25, 2019
Property Address	318 WHITE PINE DR, SAINT CHARLES, MO 63304-7267
Document Number	0071482114
Book / Page	7148 / 2114
Map Reference	MB 24 PG 82
Instrument Date	Aug 20, 2019
Instrument	20190925000525880
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ACCURATE TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	502 CAMBRIDGE MANOR CT, 502, WENTZVILLE, MO 63385-4461

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16300 LYDIA HILL DR # 1308, 1308, CHESTERFIELD, MO 63017-7803

Mortgage

Document Number	20190925000525890
Date	Sep 25, 2019
Instrument	20190925000525890

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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		$85,938 (-)	$452,304 (-) Land $70,000 Building $382,304
2025	$5,091.00	$85,938 (+12.54%)	$452,304 (+12.54%) Land $70,000 Building $382,304
2023		$76,363
2022			$401,909 Land $70,000 Building $331,909

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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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