345 Pearson Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 345 Pearson Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,157 sqft · built 2015
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$279,900 (Feb 2018)
Tax Bill	$4,240 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jun 2022 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T061100052`

Property Details

APN / Parcel Number

Primary APN	`T061100052`
Alternative APN	`3-0037-9824-00-0052.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,157 sqft Living Area
Gross Area	3,277 sqft
1st Floor Area	1,101 sqft
Basement Area	888 sqft
Finished Basement	168 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T061100052
Street Address	345 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 52
Legal Subdivision	ADDYSTON PL #1
Legal Lot Number	52
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311149

Owner

345 Pearson Ct is owned and occupied by two individuals who bought it in February 2018.

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 File
Mailing Address	345 PEARSON CT, SAINT CHARLES, MO 63304-2668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2024	Deed of Trust, Mortgage · Line of Credit CHRISTINE NELLS GARCIA TRUST
Jun 21, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
Dec 23, 2020	Deed of Trust, Mortgage GUARANTEED RATE
Feb 14, 2018	Warranty Deed, Transfer US TITLE
Feb 14, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2018 · Amount on File
Deed Sale	Feb 14, 2018 · Amount on File
Prior Sale	Feb 14, 2018
Deed Document Number	201881790
Deed Book / Page	6879 / 730
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	345 PEARSON CT, SAINT CHARLES, MO 63304-2668
Transaction Type	Mortgage
Record Updated	Feb 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 PEARSON CT, SAINT CHARLES, MO 63304-2668

Mortgage

Document Number	0000006247
Date	Feb 16, 2024
Instrument	2024R-006247

Lender

Name	CHRISTINE NELLS GARCIA TRUST
Type	Private Party
Address	14220 SADDLEBOW CT, RENO, NV 89511

Agreement

Type	Line of Credit
Amount	Amount on Record

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	345 PEARSON CT, SAINT CHARLES, MO 63304-2668
Transaction Type	Mortgage
Record Updated	Jul 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 PEARSON CT, SAINT CHARLES, MO 63304-2668

Mortgage

Document Number	0000034453
Date	Jun 21, 2022
Instrument	2022R-034453

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 15, 2037

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	345 PEARSON CT, SAINT CHARLES, MO 63304-2668
Document Number	0000003815
Instrument Date	Dec 23, 2020
Transaction Type	Mortgage
Record Updated	Mar 25, 2021
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	345 PEARSON CT ST CHARLES MO 633042668, ST CHARLES, MO 63304-2668

Mortgage

Document Number	0000003815
Date	Jan 13, 2021
Instrument	3815

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 12, 2051

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 14, 2018
Property Address	345 PEARSON CT, SAINT CHARLES, MO 63304-2668
Document Number	0068790728
Book / Page	006879 / 000728
Instrument Date	Feb 9, 2018
Instrument	81780
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1386 ST PETERS MO 633760024, ST PETERS, MO 63376-0024

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 14, 2018
Property Address	345 PEARSON CT, SAINT CHARLES, MO 63304-2668
Document Number	0068790730
Book / Page	6879 / 0730
Map Reference	MB 42 PG 108
Instrument Date	Feb 9, 2018
Instrument	20180214000081790
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1386, SAINT PETERS, MO 63376-0024

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	345 PEARSON CT, SAINT CHARLES, MO 63304-2668

Mortgage

Document Number	20180214000081800
Date	Feb 14, 2018
Instrument	20180214000081800

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 345 Pearson Ct was $4,240.

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		$71,508 (-)	$376,358 (-) Building $376,358
2025	$4,240.00	$71,508	$376,358
2023		$67,622
2022			$355,907 Building $355,907

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 345 Pearson Ct in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.

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

Wildfire risk around 345 Pearson Ct is low, with a 0.03% annual chance of wildfire.

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.

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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