12103 Spring Creek Ln, O Fallon, MO 63368 Property Records

St. Charles County property record for 12103 Spring Creek Ln, O Fallon, MO 63368

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,014 sqft · built 2008
Lot Size	0.004 acres (181 sqft)
Owner	Individual Name on File
Last Sale	$174,000 (May 2025)
Tax Bill	$2,233 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Feb 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`T092000096`

Property Details

APN / Parcel Number

Primary APN	`T092000096`
Alternative APN	`4-0036-A529-22-001D.0000000`

Interior

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

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Lot Area	181 sqft (0.004 acres)
Patio Area	70 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T092000096
Street Address	12103 SPRING CREEK LN
City	O FALLON
State	MO
Zip	63368-7541
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	SPRINGHURST TERR #12 LOT 1D
Legal Subdivision	SPRINGHURST TERR #12
Legal Lot Number	1D
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1022
Census Tract	312207

Owner

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	Individual Name on File
Mailing Address	12103 SPRING CREEK LN, O FALLON, MO 63368-7541
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage HNB NATIONAL BANK
Feb 21, 2019	Warranty Deed, Transfer PROVO LAND TITLE COMPANY, PROVO LAND TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2025 · Amount on File
Deed Sale	May 28, 2025 · Amount on File
Prior Sale	Feb 21, 2019 · Amount on File
Deed Document Number	202521911
Prior Transfer Date	May 8, 2008
Prior Transfer Doc	0000773280
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	12103 SPRING CREEK LN, O FALLON, MO 63368-7541
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLATINUM TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071051934
Date	Jul 16, 2019
Book Page	7105/1934
Instrument	20190716000360390

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	WENTZVILLE, MO 63385

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 21, 2019
Property Address	12103 SPRING CREEK LN, O FALLON, MO 63368-7541
Document Number	0070380798
Book / Page	007038 / 000798
Instrument Date	Feb 20, 2019
Instrument	78460
Transaction Type	Transfer
Record Updated	Mar 12, 2019
Title Company	PROVO LAND TITLE COMPANY, PROVO LAND TITLE CO

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12103 SPRING CREEK LN O FALLON MO 633687541, O FALLON, MO 63368-7541

Tax Assessment & Valuation

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		$33,901 (-)	$178,426 (-) Building $178,426
2025	$2,233.00	$33,901 (+15%)	$178,426 (+15%)
2023		$29,480
2022			$155,158 Building $155,158

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 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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