St. Charles County property record for 103 Spring Brook Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,531 sqft · built 2002 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $312,000 (Dec 2020) |
| Tax Bill | $4,557 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T010800085 |
| Primary APN | T010800085 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,531 sqft Living Area |
| Gross Area | 4,130 sqft |
| 1st Floor Area | 1,859 sqft |
| Basement Area | 1,801 sqft |
| Finished Basement | 672 sqft |
| Unfinished Basement | 1,129 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 10,454 sqft (0.24 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 470 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Patio Area | 397 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T010800085 |
|---|---|
| Street Address | 103 SPRING BROOK CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6489 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING LAKE ESTS #2 LOT 58 |
| Legal Subdivision | SPRING LAKE ESTS #2 |
| Legal Lot Number | 58 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 311148 |
Source: St. Charles County records, as of August 7, 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 Record |
|---|---|
| Mailing Address | 103 SPRING BROOK CT, SAINT CHARLES, MO 63303-6489 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2020 | Deed of Trust, Mortgage CARROLLTON BANK |
| Apr 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BANK |
| Sep 23, 2020 | Deed of Trust, Mortgage · Line of Credit ST JOHNS BK&TR |
| May 23, 2019 | Deed of Trust, Mortgage · Line of Credit ST JOHNS BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 14, 2020 · Amount on Record |
| Deed Sale | Dec 14, 2020 · Amount on Record |
| Prior Sale | Dec 31, 2007 · Amount on Record |
| Deed Document Number | 202097952 |
| Prior Transfer Date | Dec 27, 2007 |
| Prior Transfer Doc | 0049021253 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 103 SPRING BROOK CT, SAINT CHARLES, MO 63303-6489 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 11 BLACKBERRY DR, SAINT CHARLES, MO 63301-1400 |
| Document Number | 0000097953 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 2020R-097953 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Dec 3, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 103 SPRING BROOK CT, SAINT CHARLES, MO 63303-6489 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Title Company | CAPITAL TITLE TEXAS LLC, CAPITAL TITLE OF TEXAS LLC |
| Name | Verified Name |
|---|---|
| Address | 103 SPRING BROOK CT, SAINT CHARLES, MO 63303-6489 |
| Document Number | 2021R028638 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 2021R-028638 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 103 SPRING BROOK CT, SAINT CHARLES, MO 63303-6489 |
| Document Number | 0000079422 |
| Instrument Date | Sep 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2021 |
| Title Company | ORT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 SPRING BROOK CT ST CHARLES MO 633036489, ST CHARLES, MO 63303-6489 |
| Document Number | 0000079422 |
|---|---|
| Date | Oct 20, 2020 |
| Instrument | 79422 |
| Name | ST JOHNS BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63114 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 103 SPRING BROOK CT, SAINT CHARLES, MO 63303-6489 |
| Document Number | 0070811631 |
| Instrument Date | May 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 103 SPRING BROOK CT ST CHARLES MO 633036489, ST CHARLES, MO 63303-6489 |
| Document Number | 0070811631 |
|---|---|
| Date | May 30, 2019 |
| Book Page | 007081/001631 |
| Instrument | 260740 |
| Name | ST JOHNS BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63114 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $75,980 (-) | $399,894 (-) Land $80,000 Building $319,894 | |
| 2025 | $4,557.00 (+5.76%) | $75,980 (+9.01%) | $399,894 (+9.01%) Land $80,000 Building $319,894 |
| 2024 | $4,309.00 | ||
| 2023 | $69,698 | ||
| 2022 | $366,833 Land $60,000 Building $306,833 |
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.
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 | 3 (1983–1995) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | May 1995 · Severe Storms, Tornadoes, Hail, Flooding |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 474 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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