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

St. Charles County property record for 514 John Pitman Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,445 sqft · built 2018
Lot Size	0.401 acres (17,481 sqft)
Owner	2 Trust Names on File
Last Sale	$656,500 (Oct 2024)
Tax Bill	$7,845 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T181500087`

Property Details

APN / Parcel Number

Primary APN	`T181500087`
Alternative APN	`3-0106-C569-00-0027.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,445 sqft Living Area
Gross Area	6,587 sqft
1st Floor Area	2,410 sqft
Basement Area	2,356 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Bi-Level
Exterior Material	Stone
Lot Area	17,481 sqft (0.401 acres)
Garage Type	Attached
Garage Area	786 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T181500087
Street Address	514 JOHN PITMAN DR
City	SAINT CHARLES
State	MO
Zip	63304-7197
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEGACY AT PATRIOTS RIDGE LOT 27
Legal Subdivision	LEGACY AT PATRIOTS RIDGE
Legal Lot Number	27
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3003
Census Tract	311124

Owner

514 John Pitman Dr is owner-occupied and held in a trust since October 2024.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Trust Names on File
Mailing Address	514 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2023	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Aug 15, 2019	Deed of Trust, Mortgage · VA Mortgage COMMERCE BANK
Sep 25, 2018	Warranty Deed, Subdivision Related Transfer · VA Mortgage HOMESITE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2024 · Amount on File
Deed Sale	Oct 31, 2024 · Amount on File
Prior Sale	Aug 29, 2024 · Amount on File
Deed Document Number	202445715
Prior Transfer Date	Oct 25, 2024
Prior Transfer Doc	0000045715
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	514 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197
Transaction Type	Mortgage
Record Updated	Oct 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 JOHN PITMAN DR, COTTLEVILLE, MO 63304-7197

Mortgage

Document Number	0000042689
Date	Oct 17, 2023
Instrument	2023R-042689

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 10, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	514 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197
Transaction Type	Mortgage
Record Updated	Dec 1, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197

Mortgage

Document Number	2021R093895
Date	Nov 16, 2021
Instrument	2021R-093895

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	514 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071232352
Date	Aug 15, 2019
Book Page	7123/2352
Instrument	20190815000429610

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

September 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 25, 2018
Property Address	514 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197
Document Number	0069811561
Book / Page	6981 / 1561
Map Reference	MB 49 PG 301
Instrument Date	Sep 24, 2018
Instrument	20180925000549260
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021
Title Company	SYNERGY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2299 TECHNOLOGY DR STE 150, 2299, O FALLON, MO 63368-7343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572

Mortgage

Document Number	20180925000549270
Date	Sep 25, 2018
Instrument	20180925000549270

Lender

Name	HOMESITE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 514 John Pitman Dr was $7,845, down 7.7% from the year before.

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		$127,685 (-)	$672,025 (-) Land $80,000 Building $592,025
2025	$7,845.00 (-7.67%)	$127,685	$672,025 Land $80,000 Building $592,025
2024	$8,497.00
2023		$137,148
2022			$721,833 Land $80,000 Building $641,833

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 514 John Pitman Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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

Wildfire risk around 514 John Pitman Dr 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 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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