5323 Pinefield Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5323 Pinefield Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,480 sqft · built 1993
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$268,000 (Apr 2018)
Tax Bill	$3,681 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A883002314`

Property Details

APN / Parcel Number

Primary APN	`A883002314`
Alternative APN	`3-0111-6291-00-0006.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,480 sqft Living Area
Gross Area	3,510 sqft
1st Floor Area	1,566 sqft
Basement Area	1,524 sqft
Finished Basement	914 sqft
Unfinished Basement	610 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	64 sqft
Deck Area	Deck Area
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A883002314
Street Address	5323 PINEFIELD DR
City	SAINT CHARLES
State	MO
Zip	63304-8025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBERWOOD FARMS LOT 6
Legal Subdivision	TIMBERWOOD FARMS
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1025
Census Tract	311322

Owner

5323 Pinefield Dr is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	5323 PINEFIELD DR, SAINT CHARLES, MO 63304-8025
Occupancy	Owner Occupied
Owner Type	Individual

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 31, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Apr 6, 2018	Warranty Deed, Transfer · FHA Mortgage PNC BK/NJ
Apr 3, 2017	Warranty Deed, Transfer ANHEUSER BUSCH EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2018 · Amount on File
Deed Sale	Apr 6, 2018 · Amount on File
Prior Sale	Apr 3, 2017 · Amount on File
Deed Document Number	2018183960
Deed Book / Page	6901 / 1988
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5323 PINEFIELD DR, SAINT CHARLES, MO 63304-8025
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5323 PINEFIELD DR, COTTLEVILLE, MO 63304-8025

Mortgage

Document Number	0000059118
Date	Oct 31, 2022
Instrument	2022R-059118

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19804

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Oct 25, 2062

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	5323 PINEFIELD DR, SAINT CHARLES, MO 63304-8025
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5123 PINEFIELD DR, COTTLEVILLE, MO 63304

Mortgage

Document Number	0000095654
Date	Nov 23, 2021
Instrument	2021R-095654

Lender

Name	PNC BANK NA
Type	Bank
Address	SAINT CHARLES, MO 63304

Agreement

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

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 6, 2018
Property Address	5323 PINEFIELD DR, SAINT CHARLES, MO 63304-8025
Document Number	0069011988
Book / Page	006901 / 001988
Instrument Date	Apr 3, 2018
Instrument	183960
Transaction Type	Transfer
Record Updated	May 2, 2018

Transaction

Amount	Amount on Record
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	5323 PINEFIELD DR ST CHARLES MO 633048025, ST CHARLES, MO 63304-8025

Mortgage

Document Number	69011990
Date	Apr 6, 2018
Book Page	006901/001990
Instrument	183970

Lender

Name	PNC BK/NJ
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2048

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 3, 2017
Property Address	5323 PINEFIELD DR, SAINT CHARLES, MO 63304-8025
Document Number	0067220336
Book / Page	006722 / 000336
Instrument Date	Mar 30, 2017
Instrument	199890
Transaction Type	Transfer
Record Updated	May 3, 2017
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount on Record
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
Address	5323 PINEFIELD DR COTTLEVILLE MO 633048025, COTTLEVILLE, MO 63304-8025

Mortgage

Document Number	67220338
Date	Apr 3, 2017
Book Page	006722/000338
Instrument	199900

Lender

Name	ANHEUSER BUSCH EMPS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5323 Pinefield Dr was $3,681.

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		$59,677 (-)	$314,088 (-) Land $52,500 Building $261,588
2025	$3,681.00	$59,677	$314,088 Land $52,500 Building $261,588
2023		$52,823
2022			$278,014 Land $52,500 Building $225,514

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

FEMA maps place 5323 Pinefield Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1986.

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
Nearby Flood Claims	8 (1986–2015)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 2 claims Severe Storms & Flooding, Sep 1993 · 2 claims

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 5323 Pinefield Dr is low, with less than 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	Under 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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 236 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Wisper ISP.

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