St. Charles County property record for 3809 Pine Forest Ln, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,527 sqft · built 1995 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (May 2023) |
| Tax Bill | $3,598 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Jan 2023 Sale + 8 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A963000591 |
| Primary APN | A963000591 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,527 sqft Living Area |
| Gross Area | 3,384 sqft |
| 1st Floor Area | 1,527 sqft |
| Basement Area | 1,477 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 100 sqft |
| Deck Area | Deck Area |
| Patio Area | 268 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A963000591 |
|---|---|
| Street Address | 3809 PINE FOREST LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6995 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | REDDINGTON OAKS #1 LOT 189 |
| Legal Subdivision | REDDINGTON OAKS #1 |
| Legal Lot Number | 189 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 311149 |
3809 Pine Forest Ln is owned by two individuals who bought it in May 2023.
Source: St. Charles County records, as of September 10, 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 | 69 SANDWEDGE DR, SAINT CHARLES, MO 63303-1801 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Jan 3, 2023 | Beneficiary Deed, Transfer |
| Sep 26, 2022 | Beneficiary Deed, Transfer |
| Jun 3, 2022 | Beneficiary Deed, Transfer |
| Apr 11, 2022 | Beneficiary Deed, Transfer |
| Mar 24, 2022 | Beneficiary Deed, Transfer |
| Jan 27, 2022 | Beneficiary Deed, Transfer |
| Oct 12, 2021 | Beneficiary Deed, Transfer |
| May 11, 2021 | Beneficiary Deed, Transfer |
| Feb 23, 2021 | Beneficiary Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2023 · Amount on File |
| Deed Sale | May 31, 2023 · Amount on File |
| Prior Sale | May 11, 2021 |
| Deed Document Number | 202320687 |
| Prior Transfer Date | May 30, 2023 |
| Prior Transfer Doc | 0000020685 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 31, 2023 |
| Property Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Document Number | 0000020687 |
| Map Reference | MB 32 PG 290 |
| Instrument Date | May 24, 2023 |
| Instrument | 2023R-020687 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 279 POPLAR DR, THEODOSIA, MO 65761-6555 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 69 SANDWEDGE DR, SAINT CHARLES, MO 63303-1801 |
| Document Number | 0000020688 |
|---|---|
| Date | May 31, 2023 |
| Instrument | 2023R-020688 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 3, 2023 |
| Property Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Document Number | 0000000192 |
| Map Reference | MB 32 PG 290 |
| Instrument Date | Dec 28, 2022 |
| Instrument | 2023R-000192 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 279 POPLAR DR, THEODOSIA, MO 65761-6555 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 26, 2022 |
| Property Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Document Number | 0000052776 |
| Map Reference | MB 32 PG 290 |
| Instrument Date | Sep 23, 2022 |
| Instrument | 2022R-052776 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 3, 2022 |
| Property Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Document Number | 0000031361 |
| Map Reference | MB 32 PG 290 |
| Instrument Date | May 9, 2022 |
| Instrument | 2022R-031361 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 279 POPLAR DR, THEODOSIA, MO 65761-6555 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 11, 2022 |
| Property Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Document Number | 0000020769 |
| Map Reference | MB 32 PG 290 |
| Instrument Date | Apr 7, 2022 |
| Instrument | 2022R-020769 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 279 POPLAR DR, THEODOSIA, MO 65761-6555 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 24, 2022 |
| Property Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Document Number | 0000017332 |
| Map Reference | MB 32 PG 290 |
| Instrument Date | Mar 22, 2022 |
| Instrument | 2022R-017332 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 279 POPLAR DR, THEODOSIA, MO 65761-6555 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 27, 2022 |
| Property Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Document Number | 0000005596 |
| Map Reference | MB 32 PG 290 |
| Instrument Date | Jan 26, 2022 |
| Instrument | 2022R-005596 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 279 POPLAR DR, THEODOSIA, MO 65761-6555 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 12, 2021 |
| Property Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Document Number | 0000084608 |
| Map Reference | MB 32 PG 290 |
| Instrument Date | Oct 10, 2021 |
| Instrument | 2021R-084608 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 279 POPLAR DR, THEODOSIA, MO 65761-6555 |
| Investor | Possibly a Property Investor |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 11, 2021 |
| Property Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Document Number | 0000041055 |
| Map Reference | MB 32 PG 290 |
| Instrument Date | May 11, 2021 |
| Instrument | 2021R-041055 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Investor | Possibly a Property Investor |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 23, 2021 |
| Property Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Document Number | 0000015737 |
| Map Reference | MB 32 PG 290 |
| Instrument Date | Feb 16, 2021 |
| Instrument | 2021R-015737 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3809 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 279 POPLAR DR, THEODOSIA, MO 65761-6555 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 3809 Pine Forest Ln was $3,598.
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $60,610 (-) | $319,001 (-) Land $77,000 Building $242,001 | |
| 2025 | $3,598.00 | $60,610 | $319,001 Land $77,000 Building $242,001 |
| 2023 | $54,883 | ||
| 2022 | $288,859 Land $60,500 Building $228,359 |
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.
FEMA maps place 3809 Pine Forest Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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.
Wildfire risk around 3809 Pine Forest Ln is low, with less than a 0.01% annual chance of 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.
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 470 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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