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

St. Charles County property record for 347 White Pine Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,610 sqft · built 1986
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$299,900 (May 2017)
Tax Bill	$4,586 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860000470`

Property Details

APN / Parcel Number

Primary APN	`A860000470`
Alternative APN	`3-0112-5858-00-0690.0000000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,610 sqft Living Area
1st Floor Area	1,329 sqft
Basement Area	1,284 sqft
Finished Basement	607 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Architectural Style	Other
Exterior Material	Composition/Composite
Lot Area	14,810 sqft (0.339 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A860000470
Old Parcel Number	A860000470
Street Address	347 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 690
Legal Range	03E
Legal Township	46N
Legal Subdivision	TIMBERWOOD TRAILS #7
Legal Lot Number	690
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 March 16, 2026

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
Co-owner	Co-owner on Record
Mailing Address	347 WHITE PINE DR, SAINT CHARLES, MO 63304-7268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 1, 2017	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2017 · Amount on Record
Deed Sale	May 1, 2017 · Amount on Record
Prior Sale	Apr 7, 2016 · Amount on Record
Deed Document Number	0067361076
Deed Book / Page	6736 / 1076
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	347 WHITE PINE DR, SAINT CHARLES, MO 63304-7268
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000526140
Date	Jul 27, 2020
Book Page	7354/1415
Instrument	20200727000526140

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 1, 2017
Property Address	347 WHITE PINE DR, SAINT CHARLES, MO 63304-7268
Document Number	0000262140
Book / Page	6736 / 1076
Map Reference	MB 24 PG 82-83
Instrument Date	Apr 27, 2017
Instrument	20170501000262140
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	552 HENNSLEY CIR, 552, SAINT CHARLES, MO 63304

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	347 WHITE PINE DR, SAINT CHARLES, MO 63304-7268

Mortgage

Document Number	0000262150
Date	May 1, 2017
Instrument	20170501000262150

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 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	$4,586.00	$77,377 (+8.42%)	$407,245 (+8.42%) Land $59,500 Building $347,745
2023		$71,367
2022			$375,617 Land $59,500 Building $316,117

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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