St. Charles County property record for 328 Pearson Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,140 sqft · built 2005 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Company Name on Record |
| Last Sale | $322,500 (Jan 2016) |
| Tax Bill | $6,153 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T061100198 |
| Primary APN | T061100198 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 3,140 sqft Living Area |
| 1st Floor Area | 1,916 sqft |
| Basement Area | 1,856 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Single |
| Year Built | Built 2005 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Composition/Composite |
| Lot Area | 9,583 sqft (0.219 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 180 sqft |
| Patio Area | 206 sqft |
| Sewer | Connected |
|---|
| Account Number | T061100198 |
|---|---|
| Old Parcel Number | T061100198 |
| Street Address | 328 PEARSON CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-2668 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ADDYSTON PL #1 BDRY ADJ LOTS 39 & 40 LOT 40 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | ADDYSTON PL #1 BDRY ADJ LOTS 39 & 40 |
| Legal Lot Number | 40 |
| 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 March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 328 PEARSON CT, SAINT CHARLES, MO 63304-2668 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 29, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Sep 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN EXPERT LLC |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2016 · Amount on Record |
| Deed Sale | Jan 5, 2016 · Amount on Record |
| Prior Sale | Jan 5, 2016 · Amount on Record |
| Deed Document Number | 0000007300 |
| Deed Book / Page | 6474 / 1277 |
| Last Transfer Date | Jul 30, 2025 |
| Transfer Doc | 0000032501 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 328 PEARSON CT, SAINT CHARLES, MO 63304-2668 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 328 PEARSON CT, SAINT CHARLES, MO 63304-2668 |
| Document Number | 0000053480 |
|---|---|
| Date | Sep 29, 2022 |
| Instrument | 2022R-053480 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Aug 19, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 328 PEARSON CT, SAINT CHARLES, MO 63304-2668 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | TRI SOURCE TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 328 PEARSON CT, SAINT CHARLES, MO 63304-2668 |
| Document Number | 0000064062 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 2020R-064062 |
| Name | THE HOME LOAN EXPERT LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63144 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 1, 2040 |
Source: St. Charles County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $6,153.00 | $103,972 (+11.8%) | $547,221 (+11.8%) |
| 2023 | $93,002 | ||
| 2022 | $489,483 Land $70,000 Building $419,483 |
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 93% of the US · lower than 90% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% 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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