620 Pine St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 620 Pine St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 967 sqft · built 1955
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Tax Bill	$2,358 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`089440A000`

Property Details

APN / Parcel Number

Primary APN	`089440A000`
Alternative APN	`6-009A-4414-00-0015.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	967 sqft Living Area
1st Floor Area	967 sqft
Basement Area	925 sqft

Exterior

Year Built	Built 1955
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	7,500 sqft
Lot Dimensions	125 ft deep x 60 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	089440A000
Old Parcel Number	089440A000
Street Address	620 PINE ST
City	SAINT CHARLES
State	MO
Zip	63301-1733
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCHOOL LANDS LOT 15
Legal Range	05E
Legal Township	47N
Legal Subdivision	SCHOOL LANDS SUB
Legal Lot Number	15
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1018
Census Tract	310302

Owner

Source: St. Charles County records · APN 089440A000

Assessment roll updated July 1, 2025 · Last verified March 2026

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

Owner of Record	Individual Name on File
Mailing Address	620 PINE ST, SAINT CHARLES, MO 63301-1733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 01, 2025
Deed Sale	Jul 01, 2025
Prior Sale	Apr 13, 2021
Deed Document Number	2025R-027924
Record Updated	Jun 08, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Apr 13, 2021
Property Address	620 PINE ST, SAINT CHARLES, MO 63301-1733
Document Number	2021R032612
Map Reference	MB 5 PG 80
Instrument Date	Apr 08, 2021
Instrument	2021R-032612
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	620 PINE ST, 620, SAINT CHARLES, MO 63301-1733

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 PINE ST, SAINT CHARLES, MO 63301-1733

Mortgage

Document Number	2021R032613
Date	Apr 13, 2021
Instrument	2021R-032613

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,358.00	$37,477 (+4.65%)	$197,246 (+4.65%) Land $55,000 Building $142,246
2023		$35,811
2022			$188,479 Land $40,000 Building $148,479

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833103021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	63 (1979–2022)
Claims Outside the SFHA	3 of 63
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 9 claims Flooding, Jun 2011 · 6 claims Severe Storms & Flooding, Aug 1993 · 30 claims

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 561 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	ST CHARLES PWS serves 78,961 people
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.