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

St. Charles County property record for 515 John Pitman Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,548 sqft · built 2018
Lot Size	0.439 acres (19,145 sqft)
Owner	Company Name on Record
Last Sale	$492,278 (Aug 2018)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T181500092`

Property Details

APN / Parcel Number

Primary APN	`T181500092`
Alternative APN	`3-0106-C569-00-0032.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,548 sqft Living Area
Basement Area	2,548 sqft

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	19,145 sqft (0.439 acres)
Garage Type	Attached
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T181500092
Street Address	515 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 32
Legal Range	03E
Legal Township	46N
Legal Subdivision	LEGACY AT PATRIOTS RIDGE
Legal Lot Number	32
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 October 19, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	515 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · VA Mortgage STIFEL BANK & TRUST
Sep 23, 2019	Deed of Trust, Mortgage · VA Mortgage STIFEL BK&TR
Aug 6, 2018	Deed of Trust, Transfer · VA Mortgage STIFEL BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2018 · Amount on Record
Deed Sale	Aug 15, 2018 · Amount on Record
Deed Document Number	0006963473
Deed Book / Page	6963 / 0473
Record Updated	Jun 7, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	515 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 JOHN PITMAN DR, COTTLEVILLE, MO 63304-7572

Mortgage

Document Number	2021R015710
Date	Feb 23, 2021
Instrument	2021R-015710

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	515 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572
Document Number	0071530957
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 24, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	515 JOHN PITMAN DR COTTLEVILLE MO 633047572, COTTLEVILLE, MO 63304-7572

Mortgage

Document Number	0071530957
Date	Oct 1, 2019
Book Page	007153/000957
Instrument	542410

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

August 2018: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	515 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572
Document Number	0069630475
Instrument Date	Aug 6, 2018
Transaction Type	Transfer
Record Updated	Sep 21, 2018

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	515 JOHN PITMAN DR COTTLEVILLE MO 633047572, COTTLEVILLE, MO 63304-7572

Mortgage

Document Number	0069630475
Date	Aug 15, 2018
Book Page	006963/000475
Instrument	465530

Lender

Name	STIFEL BK&TR
Type	Bank
Address	ST LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 2048

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2023

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	Assessed Value	Assessed Market Value
2023	$115,805
2022		$609,498 Land $80,000 Building $529,498

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
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	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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