St. Charles County property record for 3811 Pine Forest Ln, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,368 sqft · built 1996 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $286,000 (Dec 2020) |
| Tax Bill | $3,856 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A963000592 |
| Primary APN | A963000592 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,368 sqft Living Area |
| Gross Area | 3,572 sqft |
| 1st Floor Area | 1,583 sqft |
| Basement Area | 1,569 sqft |
| Finished Basement | 785 sqft |
| Unfinished Basement | 784 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A963000592 |
|---|---|
| Street Address | 3811 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 190 |
| Legal Subdivision | REDDINGTON OAKS #1 |
| Legal Lot Number | 190 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 311149 |
Source: St. Charles County records, as of August 7, 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 |
|---|---|
| Mailing Address | 3811 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2020 | Warranty Deed, Transfer FIRST HORIZON BK |
| Nov 30, 2020 | Quit Claim Deed, Transfer CAPGROW HM MTG |
| Aug 15, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2020 · Amount on Record |
| Deed Sale | Dec 22, 2020 · Amount on Record |
| Prior Sale | Sep 22, 2009 · Amount on Record |
| Deed Document Number | 2020100928 |
| Prior Transfer Date | Nov 19, 2020 |
| Prior Transfer Doc | 0000092712 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 22, 2020 |
| Property Address | 3811 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Document Number | 0000100928 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 100928 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3811 PINE FOREST LN ST CHARLES MO 633046995, ST CHARLES, MO 63304-6995 |
| Document Number | 100929 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 100929 |
| Name | FIRST HORIZON BK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 21, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 30, 2020 |
| Property Address | 3811 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Document Number | 0000092712 |
| Instrument Date | Nov 19, 2020 |
| Instrument | 92712 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2021 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3811 PINE FOREST LN ST CHARLES MO 633046995, ST CHARLES, MO 63304-6995 |
| Document Number | 92713 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 92713 |
| Name | CAPGROW HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Amount | Amount Recorded |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 15, 2018 |
| Property Address | 3811 PINE FOREST LN, SAINT CHARLES, MO 63304-6995 |
| Document Number | 0069630596 |
| Book / Page | 006963 / 000596 |
| Instrument Date | Mar 13, 2018 |
| Instrument | 465680 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3811 PINE FOREST LN ST CHARLES MO 633046995, ST CHARLES, MO 63304-6995 |
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 | $64,979 (-) | $341,995 (-) Land $77,000 Building $264,995 | |
| 2025 | $3,856.00 (+9.27%) | $64,979 (+10.03%) | $341,995 (+10.03%) Land $77,000 Building $264,995 |
| 2024 | $3,529.00 | ||
| 2023 | $59,058 | ||
| 2022 | $310,832 Land $60,500 Building $250,332 |
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.
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 500 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.
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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