St. Charles County property record for 115 Mill Spring Ln, Saint Peters, MO 63376
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,890 sqft · built 1975 |
| Lot Size | 0.226 acres (9,840 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,598 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Dec 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 427846B005 |
| Primary APN | 427846B005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,890 sqft Living Area |
| Gross Area | 3,042 sqft |
| 1st Floor Area | 1,390 sqft |
| Basement Area | 1,232 sqft |
| Finished Basement | 500 sqft |
| Unfinished Basement | 732 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,840 sqft (0.226 acres) |
| Lot Dimensions | 205 ft deep x 48 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 240 sqft |
| Deck Area | Deck Area |
| Patio Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Solar |
| Sewer | Connected |
| Account Number | 427846B005 |
|---|---|
| Street Address | 115 MILL SPRING LN |
| City | SAINT PETERS |
| State | MO |
| Zip | 63376-7024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE9 |
| Legal Description | MILL WOOD #4 SEC 2 LOT 205 |
| Legal Subdivision | MILL WOOD #4 SEC 2 |
| Legal Lot Number | 205 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | SPENCER CREEK |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 311296 |
115 Mill Spring Ln is owned and occupied by an individual.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 115 MILL SPRING LN, SAINT PETERS, MO 63376-7024 |
| 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 |
|---|---|
| Sep 15, 2026 | Deed of Trust, Mortgage · VA Mortgage UNITED TRUST BANK |
| Dec 9, 2025 | Deed of Trust, Mortgage · VA Mortgage UNITED TRUST BANK |
| Dec 20, 2022 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 15, 2026 |
| Property Address | 115 MILL SPRING LN, SAINT PETERS, MO 63376-7024 |
| Document Number | 0000044034 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 202644034 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 115 MILL SPRING LN, SAINT PETERS, MO 63376-7024 |
| Document Number | 0000044034, |
|---|---|
| Date | Sep 15, 2026 |
| Instrument | 202644034 |
| Name | UNITED TRUST BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 115 MILL SPRING LN, SAINT PETERS, MO 63376-7024 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 115 MILL SPRING LN, COTTLEVILLE, MO 63376-7024 |
| Document Number | 0000055196 |
|---|---|
| Date | Dec 9, 2025 |
| Instrument | 2025R-055196 |
| Name | UNITED TRUST BANK |
|---|---|
| Type | Bank |
| Address | PALOS HEIGHTS, IL 60463 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 115 MILL SPRING LN, SAINT PETERS, MO 63376-7024 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 115 MILL SPRING LN, SAINT PETERS, MO 63376-7024 |
| Document Number | 0000066880 |
|---|---|
| Date | Dec 20, 2022 |
| Instrument | 2022R-066880 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
The 2025 property tax bill for 115 Mill Spring Ln was $3,598.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Peters City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $52,868 (-) | $278,253 (-) Land $55,000 Building $223,253 | |
| 2025 | $3,598.00 | $52,868 | $278,253 Land $55,000 Building $223,253 |
| 2023 | $47,250 | ||
| 2022 | $248,686 Land $55,000 Building $193,686 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 Mill Spring Ln in Zone X, an area of minimal flood risk.
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 | 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.
Wildfire risk around 115 Mill Spring 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 95% of the US · lower than 93% 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 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 |
| 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 432 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: i3 Broadband.
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