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12 Eagle Spur Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 12 Eagle Spur Ct, Saint Charles, MO 63303

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,791 sqft · built 2002
Lot Size0.33 acres (14,375 sqft)
Owner2 Individual Names on File
Last Sale$448,000 (May 2021)
Tax Bill$4,617 (2025)
Deeds & MortgagesMay 2023 Mortgage
May 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNT990800116

Property Details

APN / Parcel Number

Primary APNT990800116
Alternative APN
  • 3-0117-8075-00-0099.0000000

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area3,791 sqft Living Area
Gross Area4,385 sqft
1st Floor Area2,391 sqft
Basement Area1,594 sqft
Finished Basement1,400 sqft
Unfinished Basement194 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleRanch
Exterior MaterialBrick/Stone
Lot Area14,375 sqft (0.33 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area32 sqft
Deck AreaDeck Area
Patio Area100 sqft

Location & Zoning

Account NumberT990800116
Street Address12 EAGLE SPUR CT
CitySAINT CHARLES
StateMO
Zip63303-8322
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEAGLE PINES #2 LOT 99
Legal SubdivisionEAGLE PINES #2
Legal Lot Number99
JurisdictionST CHARLES MO
Township / Civil DivisionFRONTIER
Census Block Group3
Census Block3008
Census Tract311146

Owner

Source: St. Charles County records · APN T990800116

Assessment roll updated August 13, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address12 EAGLE SPUR CT, SAINT CHARLES, MO 63303-8322
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 24, 2023Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
May 27, 2021Warranty Deed, Transfer · Conventional Mortgage
LEADER ONE FINANCIAL CORP
Mar 29, 2019Warranty Deed, Transfer · FHA Mortgage
FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 27, 2021 · Amount on Record
Deed SaleMay 27, 2021 · Amount on Record
Prior SaleMar 29, 2019 · Amount on Record
Deed Document Number202145868
Prior Transfer DateJul 22, 2009
Prior Transfer Doc0052431077
Record UpdatedJun 08, 2026

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address12 EAGLE SPUR CT, SAINT CHARLES, MO 63303-8322
Transaction TypeMortgage
Record UpdatedJun 08, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address12 EAGLE SPUR CT, SAINT CHARLES, MO 63303-8322

Mortgage

Document Number0000019689
DateMay 24, 2023
Instrument2023R-019689
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2053

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateMay 27, 2021
Property Address12 EAGLE SPUR CT, SAINT CHARLES, MO 63303-8322
Document Number2021R045868
Map ReferenceMB 35 PG 207
Instrument DateMay 20, 2021
Instrument2021R-045868
Transaction TypeTransfer
Record UpdatedJun 11, 2021
Title CompanyINVESTORS TITLE COMPANY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5246 SHANNAMARA DR, 5246, MATTHEWS, NC 28104-0652

Transferred To (Grantee/Buyer)

NameVerified Name
Address12 EAGLE SPUR COURT, MATTHEWS, NC 28104

Mortgage

Document Number2021R045869
DateMay 27, 2021
Instrument2021R-045869
Lender
NameLEADER ONE FINANCIAL CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateMar 29, 2019
Property Address12 EAGLE SPUR CT, SAINT CHARLES, MO 63303-8322
Document Number0070521319
Book / Page007052 / 001319
Instrument DateMar 28, 2019
Instrument139500
Transaction TypeTransfer
Record UpdatedApr 16, 2019
Title CompanyOTHER

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address12 EAGLE SPUR CT ST CHARLES MO 633038322, ST CHARLES, MO 63303-8322

Mortgage

Document Number70521321
DateMar 29, 2019
Book Page007052/001321
Instrument139510
Lender
NameFIRST ST BK/ST CHARLES
TypeBank
AddressSAINT CHARLES, MO 63301
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 28, 2049

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,617.00 (+9.23%)$80,302 (+12.53%)$422,644 (+12.54%) Land $75,000 Building $347,644
2024$4,227.00
2023$71,358
2022$375,566 Land $60,000 Building $315,566

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskLow
lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · DSL · Fiber in parts of the area		100 / 20

May also be available: Wisper ISP.

Based on FCC filings for 222 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemST CHARLES PWS
serves 78,961 people
Water SourcePurchased surface water from several systems
Last State InspectionOct 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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