356 Pearson Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 356 Pearson Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,502 sqft · built 2005
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Mar 2018)
Tax Bill	$5,309 (2025)
Deeds & Mortgages	Jun 2017 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T061100046`

Property Details

APN / Parcel Number

Primary APN	`T061100046`
Alternative APN	`3-0037-9824-00-0046.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,502 sqft Living Area
Gross Area	4,286 sqft
1st Floor Area	2,502 sqft
Basement Area	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Attached
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T061100046
Street Address	356 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 46
Legal Subdivision	ADDYSTON PL #1
Legal Lot Number	46
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311149

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	2 Individual Names on Record
Mailing Address	356 PEARSON CT, SAINT CHARLES, MO 63304-2668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2017	Deed of Trust, Mortgage · Line of Credit FIRST BANK
May 26, 2020	Deed of Trust, Mortgage DAS ACQUISITION
Mar 8, 2018	Intrafamily Transfer, Transfer · Line of Credit WEST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2018 · Amount on Record
Deed Sale	Mar 8, 2018 · Amount on Record
Prior Sale	Nov 2, 2011 · Amount on Record
Deed Document Number	2018125080
Deed Book / Page	6888 / 2340
Prior Transfer Date	Mar 1, 2018
Prior Transfer Doc	0068882340
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	356 PEARSON CT, SAINT CHARLES, MO 63304-2668
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067590236
Date	Jun 14, 2017
Book Page	6759/0236
Instrument	20170614000363420

Lender

Name	FIRST BANK
Type	Bank
Address	SAINT CHARLES, MO 63303

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	356 PEARSON CT, SAINT CHARLES, MO 63304-2668
Document Number	0073111526
Instrument Date	May 26, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	356 PEARSON CT ST CHARLES MO 633042668, ST CHARLES, MO 63304-2668

Mortgage

Document Number	0073111526
Date	Jun 4, 2020
Book Page	007311/001526
Instrument	369680

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2050

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 8, 2018
Property Address	356 PEARSON CT, SAINT CHARLES, MO 63304-2668
Document Number	0068882340
Book / Page	6888 / 2340
Map Reference	MB 42 PG 108
Instrument Date	Mar 1, 2018
Instrument	20180308000125080
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	356 PEARSON CT, SAINT CHARLES, MO 63304-2668

Mortgage

Document Number	20180308000125090
Date	Mar 8, 2018
Instrument	20180308000125090

Lender

Name	WEST COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$5,309.00 (+11.42%)	$89,636 (+12.19%)	$471,768 (+12.19%) Building $471,768
2024	$4,765.00
2023		$79,899
2022			$420,520 Land $70,000 Building $350,520

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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

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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