509 John Pitman Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 509 John Pitman Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,962 sqft · built 2018
Lot Size	0.31 acres (13,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Oct 2022)
Tax Bill	$6,835 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T181500095`

Property Details

APN / Parcel Number

Primary APN	`T181500095`
Alternative APN	`3-0106-C569-00-0035.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,962 sqft Living Area
Gross Area	5,108 sqft
1st Floor Area	1,828 sqft
Basement Area	1,422 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	13,499 sqft (0.31 acres)
Garage Type	Attached
Garage Area	724 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T181500095
Street Address	509 JOHN PITMAN DR
City	SAINT CHARLES
State	MO
Zip	63304-7572
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEGACY AT PATRIOTS RIDGE LOT 35
Legal Subdivision	LEGACY AT PATRIOTS RIDGE
Legal Lot Number	35
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3002
Census Tract	311124

Owner

Source: St. Charles County records, as of September 10, 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 Record
Mailing Address	509 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Oct 11, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Sep 24, 2020	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2022 · Amount on Record
Deed Sale	Oct 11, 2022 · Amount on Record
Prior Sale	Dec 31, 2018 · Amount on Record
Deed Document Number	202255601
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	509 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572
Transaction Type	Mortgage
Record Updated	Mar 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572

Mortgage

Document Number	0000006784
Date	Feb 13, 2026
Instrument	2026R-006784

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 11, 2022
Property Address	509 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572
Document Number	0000055601
Map Reference	MB 49 PG 301
Instrument Date	Oct 4, 2022
Instrument	2022R-055601
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	509 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	509 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572

Mortgage

Document Number	0000055602
Date	Oct 11, 2022
Instrument	2022R-055602

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6.5%
Index	1-Year CMT
Margin	5
Max Rate	10.5%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	509 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572
Document Number	0000072822
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Dec 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	509 JOHN PITMAN DR ST CHARLES MO 633047572, ST CHARLES, MO 63304-7572

Mortgage

Document Number	0000072822
Date	Sep 29, 2020
Instrument	72822

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	144 Months
Due	Sep 28, 2032

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Cottleville City
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		$111,192 (-)	$585,221 (-) Land $80,000 Building $505,221
2025	$6,835.00	$111,192 (-8.25%)	$585,221 (-8.25%) Land $80,000 Building $505,221
2023		$121,185
2022			$637,814 Land $80,000 Building $557,814

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

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	9 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2017 · other causes

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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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