St. Charles County property record for 727 Pine St, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,165 sqft · built 1955 |
| Lot Size | 0.172 acres (7,490 sqft) |
| Owner | Individual Name on File |
| Last Sale | $169,425 (Apr 2021) |
| Tax Bill | $2,933 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jun 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 089530A000 |
| Primary APN | 089530A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,165 sqft Living Area |
| Gross Area | 2,215 sqft |
| 1st Floor Area | 1,265 sqft |
| Basement Area | 950 sqft |
| Finished Basement | 900 sqft |
| Unfinished Basement | 50 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,490 sqft (0.172 acres) |
| Lot Dimensions | 107 ft deep x 70 ft wide |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 089530A000 |
|---|---|
| Street Address | 727 PINE ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-9011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | SCHOOL LANDS LOT 24 |
| Legal Subdivision | SCHOOL LANDS SUB |
| Legal Lot Number | 24 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 310302 |
Source: St. Charles County records · APN 089530A000
Assessment roll updated August 7, 2026 · Last verified August 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 | 727 PINE ST, SAINT CHARLES, MO 63301-9011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 23, 2021 | Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP |
| Jun 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NEW FRENTIER BANK |
| Jun 21, 2018 | Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BK/ST CLAI |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 23, 2021 · Amount on Record |
| Deed Sale | Apr 23, 2021 · Amount on Record |
| Prior Sale | Jul 22, 2005 · Amount on Record |
| Deed Document Number | 202136033 |
| Prior Transfer Date | Jan 09, 2004 |
| Prior Transfer Doc | 0000042890 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 23, 2021 |
| Property Address | 727 PINE ST, SAINT CHARLES, MO 63301-9011 |
| Document Number | 2021R036033 |
| Map Reference | MB 5 PG 80 |
| Instrument Date | Apr 22, 2021 |
| Instrument | 2021R-036033 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1278 JUNGERMANN RD, 1278, SAINT PETERS, MO 63376-6964 |
| Name | Verified Name |
|---|---|
| Address | 727 PINE ST, SAINT CHARLES, MO 63301-9011 |
| Document Number | 2021R036034 |
|---|---|
| Date | Apr 23, 2021 |
| Instrument | 2021R-036034 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Number | 2021R036035 |
|---|---|
| Date | Apr 23, 2021 |
| Instrument | 2021R-036035 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 727 PINE ST, SAINT CHARLES, MO 63301-9011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0067621659 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 6762/1659 |
| Instrument | 20170621000378990 |
| Name | NEW FRENTIER BANK |
|---|---|
| Address | SAINT CHARLES, MO 63303 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 727 PINE ST, SAINT CHARLES, MO 63301-9011 |
| Document Number | 0069372110 |
| Instrument Date | Jun 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 1278 JUNGERMANN RD #F ST PETERS MO 633766964, F, ST PETERS, MO 63376-6964 |
| Document Number | 0069372110 |
|---|---|
| Date | Jun 22, 2018 |
| Book Page | 006937/002110 |
| Instrument | 349280 |
| Name | FARMERS & MERCHANTS BK/ST CLAI |
|---|---|
| Type | Bank |
| Address | ST CLAIR, MO 63077 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 21, 2028 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $46,730 (-) | $245,948 (-) Land $55,000 Building $190,948 | |
| 2025 | $2,933.00 | $46,730 (+6.5%) | $245,948 (+6.5%) Land $55,000 Building $190,948 |
| 2023 | $43,879 | ||
| 2022 | $230,944 Land $40,000 Building $190,944 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 |
|
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · 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 |
Based on FCC filings for 561 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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 |
| 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.
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