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

St. Charles County property record for 522 John Pitman Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,560 sqft · built 2018
Lot Size	0.49 acres (21,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$455,510 (Dec 2021)
Tax Bill	$7,838 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T181500091`

Property Details

APN / Parcel Number

Primary APN	`T181500091`
Alternative APN	`3-0106-C569-00-0031.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,560 sqft Living Area
Gross Area	5,820 sqft
1st Floor Area	2,560 sqft
Basement Area	2,560 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	21,340 sqft (0.49 acres)
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T181500091
Street Address	522 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 31
Legal Subdivision	LEGACY AT PATRIOTS RIDGE
Legal Lot Number	31
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3003
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	522 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Deed of Trust, Mortgage · Line of Credit MIDWEST BANK CENTRE
Dec 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MIDWEST BANK CENTRE
May 15, 2019	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2021 · Amount on Record
Deed Sale	Dec 16, 2021 · Amount on Record
Prior Sale	Jul 17, 2018 · Amount on Record
Deed Document Number	2021101467
Prior Transfer Date	Nov 30, 2021
Prior Transfer Doc	0000101467
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	522 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197
Transaction Type	Mortgage
Record Updated	Feb 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197

Mortgage

Document Number	0000006289
Date	Feb 1, 2022
Instrument	2022R-006289

Lender

Name	MIDWEST BANK CENTRE
Type	Bank
Address	SAINT LOUIS, MO 63125

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	238 Months
Due	Dec 28, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Dec 16, 2021
Property Address	522 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197
Document Number	0000101467
Map Reference	MB 49 PG 301
Instrument Date	Nov 30, 2021
Instrument	2021R-101467
Transaction Type	Transfer
Record Updated	Dec 31, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197

Mortgage

Document Number	0000101468
Date	Dec 16, 2021
Instrument	2021R-101468

Lender

Name	MIDWEST BANK CENTRE
Type	Bank

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	522 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197
Document Number	0070781048
Instrument Date	May 15, 2019
Transaction Type	Mortgage
Record Updated	Jun 7, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 JOHN PITMAN DR COTTLEVILLE MO 633047197, COTTLEVILLE, MO 63304-7197

Mortgage

Document Number	0070781048
Date	May 23, 2019
Book Page	007078/001048
Instrument	247670

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 22, 2049

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		$127,564 (-)	$671,390 (-) Land $80,000 Building $591,390
2025	$7,838.00	$127,564 (+6.79%)	$671,390 (+6.79%) Land $80,000 Building $591,390
2023		$119,456
2022			$628,717 Land $80,000 Building $548,717

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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