St. Charles County property record for 11103 Spring Creek Ln, O Fallon, MO 63368
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,014 sqft · built 2007 |
| Lot Size | 0.004 acres (176 sqft) |
| Owner | Individual Name on File |
| Last Sale | $194,600 (Oct 2023) |
| Tax Bill | $2,267 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Sep 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | T082000778 |
| Primary APN | T082000778 |
|---|---|
| Alternative APN |
|
| 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 |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 176 sqft (0.004 acres) |
| Patio Area | 70 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T082000778 |
|---|---|
| Street Address | 11103 SPRING CREEK LN |
| City | O FALLON |
| State | MO |
| Zip | 63368-7535 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | SPRINGHURST TERR #11 LOT 1D |
| Legal Subdivision | SPRINGHURST TERR #11 |
| Legal Lot Number | 1D |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 312207 |
11103 Spring Creek Ln, a condominium, is owned and occupied by an individual who bought it in October 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11103 SPRING CREEK LN, O FALLON, MO 63368-7535 |
| 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.
| Date | Document |
|---|---|
| Oct 5, 2023 | Deed of Trust, Mortgage · FHA Mortgage FLAT BRANCH HOME LOANS INC |
| Sep 13, 2021 | Beneficiary Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2023 · Amount on File |
| Deed Sale | Oct 5, 2023 · Amount on File |
| Prior Sale | Aug 6, 2008 · Amount on File |
| Deed Document Number | 202341025 |
| Prior Transfer Date | Sep 10, 2021 |
| Prior Transfer Doc | 0000076591 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 11103 SPRING CREEK LN, O FALLON, MO 63368-7535 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 11103 SPRING CREEK LN, O FALLON, MO 63368-7535 |
| Document Number | 0000041026 |
|---|---|
| Date | Oct 5, 2023 |
| Instrument | 2023R-041026 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 13, 2021 |
| Property Address | 11103 SPRING CREEK LN, O FALLON, MO 63368-7535 |
| Document Number | 2021R076591 |
| Map Reference | MB 45 PG 103-105 |
| Instrument Date | Sep 10, 2021 |
| Instrument | 2021R-076591 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 11103 Spring Creek Ln was $2,267.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Wentzville R-IV School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $34,420 (-) | $181,156 (-) Building $181,156 | |
| 2025 | $2,267.00 | $34,420 | $181,156 |
| 2023 | $30,021 | ||
| 2022 | $158,008 Building $158,008 |
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.
FEMA maps place 11103 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 risk around 11103 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 353 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 |
| Wisper ISP Fixed Wireless | 400 / 30 |
May also be available: AT&T, Brightspeed, Gateway Fiber, i3 Broadband, Verizon.
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