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

St. Charles County property record for 532 John Pitman Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,832 sqft · built 2017
Lot Size	0.437 acres (19,036 sqft)
Owner	2 Individual Names on Record
Last Sale	$638,368 (Jul 2018)
Tax Bill	$9,429 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Aug 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T181500077`

Property Details

APN / Parcel Number

Primary APN	`T181500077`
Alternative APN	`3-0106-C569-00-0017.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,832 sqft Living Area
Basement Area	2,808 sqft
Finished Basement	1,965 sqft

Exterior

Year Built	Built 2017
Architectural Style	Ranch
Exterior Material	Stone
Lot Area	19,036 sqft (0.437 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T181500077
Street Address	532 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 17
Legal Range	03E
Legal Township	46N
Legal Subdivision	LEGACY AT PATRIOTS RIDGE
Legal Lot Number	17
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 March 16, 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	2 Individual Names on Record
Mailing Address	532 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Deed of Trust, Mortgage · Line of Credit RAYMOND JAMES BANK NA
Aug 29, 2019	Loan Modification, Mortgage RAYMOND JAMES BK
Oct 22, 2018	Warranty Deed, Subdivision Related Transfer TOP RITE FINANCIAL INC
Jul 9, 2018	Warranty Deed, Subdivision Related Transfer SYNERGY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2018 · Amount on Record
Deed Sale	Jul 9, 2018 · Amount on Record
Deed Document Number	0069451308
Deed Book / Page	6945 / 1308
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	532 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 JOHN PITMAN DR, COTTLEVILLE, MO 63304-7197

Mortgage

Document Number	0000050777
Date	Sep 14, 2022
Instrument	2022R-050777

Lender

Name	RAYMOND JAMES BANK NA
Type	Bank
Address	SAINT PETERSBURG, FL 33716

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	532 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197
Document Number	0071830350
Instrument Date	Aug 29, 2019
Transaction Type	Mortgage
Record Updated	Dec 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 JOHN PITMAN DR COTTLEVILLE MO 633047197, COTTLEVILLE, MO 63304-7197

Mortgage

Document Number	0071830350
Date	Nov 18, 2019
Book Page	007183/000350
Instrument	656830

Lender

Name	RAYMOND JAMES BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2049

Interest

Rate	3.62%

October 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 22, 2018
Property Address	532 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197
Document Number	0069930319
Book / Page	006993 / 000319
Instrument Date	Oct 18, 2018
Instrument	601450
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 15, 2018
Title Company	NETCO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	541 JOHN PITMAN DR COTTLEVILLE MO 633047572, COTTLEVILLE, MO 63304-7572

Mortgage

Document Number	69930321
Date	Oct 22, 2018
Book Page	006993/000321
Instrument	601460

Lender

Name	TOP RITE FINANCIAL INC
Address	123 E GRAND RIVER AVE, WILLIAMSTON, MI 48895-1449

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2048

July 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 9, 2018
Property Address	532 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197
Document Number	0069451308
Book / Page	006945 / 001308
Instrument Date	Jun 29, 2018
Instrument	383470
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 21, 2018
Title Company	SYNERGY TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	532 JOHN PITMAN DR COTTLEVILLE MO 633047197, COTTLEVILLE, MO 63304-7197

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$9,429.00	$153,557 (+10.94%)	$808,196 (+10.94%) Land $80,000 Building $728,196
2023		$138,418
2022			$728,514 Land $80,000 Building $648,514

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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