104 Universal Dr, Saint Peters, MO 63376 Property Records

St. Charles County property record for 104 Universal Dr, Saint Peters, MO 63376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,927 sqft · built 1983
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,957 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`427845C250`

Property Details

APN / Parcel Number

Primary APN	`427845C250`
Alternative APN	`3-0153-5585-00-0245.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,927 sqft Living Area
Gross Area	2,548 sqft
1st Floor Area	1,014 sqft
Basement Area	1,014 sqft
Finished Basement	913 sqft
Unfinished Basement	101 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	64 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	427845C250
Street Address	104 UNIVERSAL DR
City	SAINT PETERS
State	MO
Zip	63376-4418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	CRESCENT HILLS #3 LOT 245
Legal Subdivision	CRESCENT HILLS #3
Legal Lot Number	245
Jurisdiction	ST CHARLES MO
Township / Civil Division	SPENCER CREEK
Census Block Group	1
Census Block	1003
Census Tract	311294

Owner

104 Universal Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	104 UNIVERSAL DR, SAINT PETERS, MO 63376-4418
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
Sep 28, 2026	Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORPORATION
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP
Apr 16, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Sep 28, 2026
Property Address	104 UNIVERSAL DR, SAINT PETERS, MO 63376-4418
Document Number	0000045959
Instrument Date	Sep 21, 2026
Instrument	202645959
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 UNIVERSAL DR, SAINT PETERS, MO 63376-4418

Mortgage

Document Number	0000045959,
Date	Sep 28, 2026
Instrument	202645959

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 16, 2046

Interest

Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	104 UNIVERSAL DR, SAINT PETERS, MO 63376-4418
Transaction Type	Mortgage
Record Updated	Aug 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 UNIVERSAL DR, SAINT PETERS, MO 63376-4418

Mortgage

Document Number	2021R068385
Date	Aug 16, 2021
Instrument	2021R-068385

Lender

Name	JLB CORP
Type	Mortgage Company
Address	CINCINNATI, OH 45236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	104 UNIVERSAL DR, SAINT PETERS, MO 63376-4418
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 UNIVERSAL DR, SAINT PETERS, MO 63376-4418

Mortgage

Document Number	2021R033596
Date	Apr 16, 2021
Instrument	2021R-033596

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	254 Months
Due	Jun 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 104 Universal Dr was $2,957.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Peters City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$43,343 (-)	$228,123 (-) Land $50,000 Building $178,123
2025	$2,957.00	$43,343	$228,123 Land $50,000 Building $178,123
2023		$41,819
2022			$220,098 Land $50,000 Building $170,098

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

Flood

FEMA maps place 104 Universal Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1996.

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 Policies	2 in force
Nearby Flood Claims	6 (1996–2022)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms, Flooding, And A Tornado, Sep 2008 · 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

The area around 104 Universal Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST PETERS PWS serves 52,575 people · EPA ID MO6010719
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Mar 2023
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	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 542 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Gateway Fiber, Verizon.

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