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

St. Charles County property record for 543 John Pitman Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,687 sqft · built 2019
Lot Size	0.374 acres (16,278 sqft)
Owner	2 Individual Names on File
Last Sale	$880,000 (Mar 2025)
Tax Bill	$8,855 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T181500066`

Property Details

APN / Parcel Number

Primary APN	`T181500066`
Alternative APN	`3-0106-C569-00-0006.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,687 sqft Living Area
Gross Area	5,894 sqft
1st Floor Area	2,404 sqft
Basement Area	2,356 sqft
Finished Basement	1,149 sqft
Unfinished Basement	1,207 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	16,278 sqft (0.374 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T181500066
Street Address	543 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 6
Legal Subdivision	LEGACY AT PATRIOTS RIDGE
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3002
Census Tract	311124

Owner

543 John Pitman Dr is owned and occupied by two individuals who bought it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	543 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Sep 13, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Mar 26, 2021	Deed of Trust, Mortgage · Line of Credit ST JOHNS BANK & TRUST COMPANY
Jun 1, 2020	Warranty Deed, Subdivision Related Transfer SYNERGY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2025 · Amount on File
Deed Sale	Mar 19, 2025 · Amount on File
Prior Sale	Jun 1, 2020 · Amount on File
Deed Document Number	202510656
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	543 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 JOHN PITMAN DR, COTTLEVILLE, MO 63304-7572

Mortgage

Document Number	0000050521
Date	Sep 13, 2022
Instrument	2022R-050521

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	543 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	ORT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 JOHN PITMAN DR, COTTLEVILLE, MO 63304-7572

Mortgage

Document Number	2021R026714
Date	Mar 26, 2021
Instrument	2021R-026714

Lender

Name	ST JOHNS BANK & TRUST COMPANY
Type	Bank
Address	SAINT LOUIS, MO 63114

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 1, 2020
Property Address	543 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7572
Document Number	0073080354
Book / Page	7308 / 354
Map Reference	MB 49 PG 301
Instrument Date	May 18, 2020
Instrument	20200601000357690
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	543 JOHN PITMAN DR, COTTLEVILLE, MO 63304-7572

Tax Assessment & Valuation

The 2025 property tax bill for 543 John Pitman Dr was $8,855.

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		$144,173 (-)	$758,805 (-) Land $80,000 Building $678,805
2025	$8,855.00	$144,173	$758,805 Land $80,000 Building $678,805
2023		$146,777
2022			$772,505 Land $80,000 Building $692,505

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 543 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 543 John Pitman 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	Direct burnable vegetation

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
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: AT&T, Brightspeed, Verizon.

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