3823 Pine Forest Ln, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3823 Pine Forest Ln, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,928 sqft · built 1995
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$282,600 (Jul 2015)
Tax Bill	$3,979 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A963000555`

Property Details

APN / Parcel Number

Primary APN	`A963000555`
Alternative APN	`3-0036-7310-00-0153.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,928 sqft Living Area
Gross Area	3,784 sqft
1st Floor Area	1,144 sqft
Basement Area	1,128 sqft
Finished Basement	800 sqft
Unfinished Basement	328 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	55 sqft
Deck Area	Deck Area
Patio Area	352 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A963000555
Street Address	3823 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 153
Legal Subdivision	REDDINGTON OAKS #1
Legal Lot Number	153
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311149

Owner

Source: St. Charles County records · APN A963000555

Assessment roll updated August 7, 2026 · Last verified August 2026

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 File
Mailing Address	3823 PINE FOREST LN, SAINT CHARLES, MO 63304-6995
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 02, 2015 · Amount on Record
Deed Sale	Jul 02, 2015 · Amount on Record
Deed Document Number	2015433550
Deed Book / Page	6383 / 49
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3823 PINE FOREST LN, SAINT CHARLES, MO 63304-6995
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3823 PINE FOREST LN, SAINT CHARLES, MO 63304-6995

Mortgage

Document Number	2021R009587
Date	Feb 01, 2021
Instrument	2021R-009587

Lender

Name	JLB CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2051

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$67,078 (-)	$353,044 (-) Land $77,000 Building $276,044
2025	$3,979.00	$67,078 (+9.62%)	$353,044 (+9.62%) Land $77,000 Building $276,044
2023		$61,193
2022			$322,070 Land $60,500 Building $261,570

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111492, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	Severe Storms & Flooding, Jul 1993 · 5 claims

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Based on FCC filings for 470 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MO6010716, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.