3828 Pine Forest Ln, Saint Charles, MO 63304 Property Records

St. Charles County property record for 3828 Pine Forest Ln, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,358 sqft · built 1995
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Feb 2008)
Tax Bill	$3,598 (2025)
Deeds & Mortgages	Feb 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`A963000559`

Property Details

APN / Parcel Number

Primary APN	`A963000559`
Alternative APN	`3-0036-7310-00-0157.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,358 sqft Living Area
Gross Area	3,315 sqft
1st Floor Area	1,458 sqft
Basement Area	1,420 sqft
Finished Basement	900 sqft
Unfinished Basement	520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A963000559
Street Address	3828 PINE FOREST LN
City	SAINT CHARLES
State	MO
Zip	63304-6994
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	REDDINGTON OAKS #1 LOT 157
Legal Subdivision	REDDINGTON OAKS #1
Legal Lot Number	157
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311149

Owner

3828 Pine Forest Ln is owned by an individual who acquired it in February 2023.

Source: St. Charles County records, as of August 7, 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	Individual Name on File
Mailing Address	1101 CYPRESS POINT DR, O FALLON, MO 63366-5582
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2008 · Amount on File
Deed Sale	Feb 21, 2008 · Amount on File
Prior Sale	Apr 5, 1999 · Amount on File
Deed Document Number	2008123790
Deed Book / Page	4932 / 766
Last Transfer Date	Feb 8, 2023
Transfer Doc	0000005376
Record Updated	Oct 29, 2026

February 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 13, 2023
Property Address	3828 PINE FOREST LN, SAINT CHARLES, MO 63304-6994
Document Number	0000005376
Map Reference	MB 32 PG 290&291
Instrument Date	Feb 8, 2023
Instrument	2023R-005376
Transaction Type	Transfer
Record Updated	Feb 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1101 CYPRESS POINT DR, O FALLON, MO 63366-5582

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	1101 CYPRESS POINT DR, O FALLON, MO 63366-5582

Tax Assessment & Valuation

The 2025 property tax bill for 3828 Pine Forest Ln was $3,598.

Source: St. Charles County assessment roll, as of August 7, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$60,610 (-)	$318,998 (-) Land $77,000 Building $241,998
2025	$3,598.00	$60,610	$318,998 Land $77,000 Building $241,998
2023		$54,897
2022			$288,934 Land $60,500 Building $228,434

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

FEMA maps place 3828 Pine Forest Ln in Zone X, an area of minimal flood risk, within 500 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 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

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

Wildfire risk around 3828 Pine Forest Ln is low, with 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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	0.01% 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 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