St. Charles County property record for 1124 Forest Spring Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,978 sqft · built 1995 |
| Lot Size | 0.856 acres (37,296 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $401,778 (Sep 2026) |
| Tax Bill | $4,027 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 486800A003 |
| Primary APN | 486800A003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,978 sqft Living Area |
| Gross Area | 3,544 sqft |
| 1st Floor Area | 1,578 sqft |
| Basement Area | 1,566 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 37,296 sqft (0.856 acres) |
| Lot Dimensions | 259 ft deep x 144 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | Deck Area |
| Patio Area | 350 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 486800A003 |
|---|---|
| Street Address | 1124 FOREST SPRING DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | FOREST SPRING EST #1 LOT 4 |
| Legal Subdivision | FOREST SPRINGS EST #1 |
| Legal Lot Number | 4 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 311147 |
Source: St. Charles County records, as of September 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1124 FOREST SPRING DR, SAINT CHARLES, MO 63303-6310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Sep 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| Feb 10, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2026 · Amount on Record |
| Deed Sale | Sep 1, 2026 · Amount on Record |
| Prior Sale | Feb 10, 2022 · Amount on Record |
| Deed Document Number | 202641749 |
| Prior Transfer Date | Jan 28, 2022 |
| Prior Transfer Doc | 0000008369 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 1, 2026 |
| Property Address | 1124 FOREST SPRING DR, SAINT CHARLES, MO 63303-6310 |
| Document Number | 0000041749 |
| Instrument Date | Aug 28, 2026 |
| Instrument | 202641749 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | ABSOLUTE TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1124 FOREST SPRING DR, SAINT CHARLES, MO 63303-6310 |
| Document Number | 0000041750, |
|---|---|
| Date | Sep 1, 2026 |
| Instrument | 202641750 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 10, 2022 |
| Property Address | 1124 FOREST SPRING DR, SAINT CHARLES, MO 63303-6310 |
| Document Number | 0000008369 |
| Map Reference | MB 19 PG 78 |
| Instrument Date | Jan 28, 2022 |
| Instrument | 2022R-008369 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1114 FOREST SPRING DR, SAINT CHARLES, MO 63303-6310 |
| Document Number | 0000008370 |
|---|---|
| Date | Feb 10, 2022 |
| Instrument | 2022R-008370 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2037 |
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 | $67,091 (-) | $353,112 (-) Land $78,000 Building $275,112 | |
| 2025 | $4,027.00 (+2.73%) | $67,091 (+5.86%) | $353,112 (+5.86%) Land $78,000 Building $275,112 |
| 2024 | $3,920.00 | ||
| 2023 | $63,377 | ||
| 2022 | $333,565 Land $72,000 Building $261,565 |
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
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 | Low lower than 93% of the US · lower than 90% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 242 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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