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

St. Charles County property record for 343 White Pine Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,622 sqft · built 1986
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$178,800 (Dec 2020)
Tax Bill	$4,550 (2025)
Deeds & Mortgages	Dec 2020 Sale Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860000469`

Property Details

APN / Parcel Number

Primary APN	`A860000469`
Alternative APN	`3-0112-5858-00-0689.0000000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,622 sqft Living Area
Gross Area	4,324 sqft
1st Floor Area	1,320 sqft
Basement Area	1,284 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
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	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860000469
Street Address	343 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 689
Legal Subdivision	TIMBERWOOD TRAILS #7
Legal Lot Number	689
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2025
Census Tract	311114

Owner

Source: St. Charles County records, as of August 13, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	343 WHITE PINE DR, SAINT CHARLES, MO 63304-7268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Warranty Deed, Transfer OTHER
Dec 8, 2020	Quit Claim Deed, Transfer FLAT BR MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2020 · Amount on Record
Deed Sale	Dec 8, 2020 · Amount on Record
Prior Sale	Aug 14, 2017
Deed Document Number	202095943
Prior Transfer Date	Sep 28, 2012
Prior Transfer Doc	0058651511
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 16, 2020
Property Address	343 WHITE PINE DR, SAINT CHARLES, MO 63304-7268
Document Number	0000098842
Instrument Date	Nov 23, 2020
Instrument	98842
Transaction Type	Transfer
Record Updated	Mar 16, 2021
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	Tenants by the Entirety
Address	343 WHITE PINE DR ST CHARLES MO 633047268, ST CHARLES, MO 63304-7268

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 8, 2020
Property Address	343 WHITE PINE DR, SAINT CHARLES, MO 63304-7268
Document Number	0000095943
Instrument Date	Nov 18, 2020
Instrument	95943
Transaction Type	Transfer
Record Updated	Mar 3, 2021
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	343 WHITE PINE DR ST CHARLES MO 633047268, ST CHARLES, MO 63304-7268

Mortgage

Document Number	95944
Date	Dec 8, 2020
Instrument	95944

Lender

Name	FLAT BR MTG
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$4,550.00 (+7.77%)	$76,759 (+8.5%)	$403,994 (+8.5%) Land $70,000 Building $333,994
2024	$4,222.00 (+14.76%)
2023		$70,748 (+23.57%)
2022	$3,679.00	$57,254	$372,359 (+23.57%) Land $70,000 Building $302,359
2021			$301,337 Land $70,000 Building $231,337

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 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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