1102 Spring Creek Ln, O Fallon, MO 63368 Property Records

St. Charles County property record for 1102 Spring Creek Ln, O Fallon, MO 63368

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,014 sqft · built 2005
Lot Size	0.004 acres (186 sqft)
Owner	2 Individual Names on File
Last Sale	$182,000 (Mar 2023)
Tax Bill	$2,275 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T072000244`

Property Details

APN / Parcel Number

Primary APN	`T072000244`
Alternative APN	`4-0036-A106-11-001C.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,014 sqft Living Area
1st Floor Area	1,014 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Lot Area	186 sqft (0.004 acres)
Porch	Open Porch
Porch Area	70 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T072000244
Street Address	1102 SPRING CREEK LN
City	O FALLON
State	MO
Zip	63368-7472
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	SPRINGHURST TERR #1 LOT 1C
Legal Subdivision	SPRINGHURST TERR #1
Legal Lot Number	1C
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1022
Census Tract	312207

Owner

1102 Spring Creek Ln, a condominium, is owned by two individuals who bought it in March 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2320 YAUPON PARK LN, MANVEL, TX 77578-1571
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Mar 23, 2023	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Jul 13, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2023 · Amount on File
Deed Sale	Mar 23, 2023 · Amount on File
Prior Sale	Jul 25, 2014 · Amount on File
Deed Document Number	202310834
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1102 SPRING CREEK LN, O FALLON, MO 63368-7472
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1102 SPRING CREEK LN, O FALLON, MO 63368-7472

Mortgage

Document Number	0000087639
Date	Oct 22, 2021
Instrument	2021R-087639

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2051

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 23, 2023
Property Address	1102 SPRING CREEK LN, O FALLON, MO 63368-7472
Document Number	0000010834
Map Reference	MB 43 PG 210
Instrument Date	Mar 21, 2023
Instrument	2023R-010834
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3196 LAKESHORE DR, NEW HAVEN, MO 63068-2838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 YAUPON PARK LN, MANVEL, TX 77578-1571

Mortgage

Document Number	0000010835
Date	Mar 23, 2023
Instrument	2023R-010835

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1102 SPRING CREEK LN, O FALLON, MO 63368-7472
Document Number	0000071660
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Dec 15, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1102 SPRING CREEK LN O FALLON MO 633687472, O FALLON, MO 63368-7472

Mortgage

Document Number	0000071660
Date	Sep 25, 2020
Instrument	71660

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Sep 24, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 1102 Spring Creek Ln was $2,275.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$34,541 (-)	$181,793 (-) Building $181,793
2025	$2,275.00	$34,541	$181,793
2023		$30,148
2022			$158,673 Building $158,673

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 1102 Spring Creek Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1102 Spring Creek Ln 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 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 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
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 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Brightspeed Fiber	940 / 940
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: Gateway Fiber.

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