St. Charles County property record for 1345 Spring Park Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,689 sqft · built 2001 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $171,085 (Apr 2001) |
| Tax Bill | $4,107 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Aug 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | T010800116 |
| Primary APN | T010800116 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,689 sqft Living Area |
| Gross Area | 3,440 sqft |
| 1st Floor Area | 1,524 sqft |
| Basement Area | 1,456 sqft |
| Finished Basement | 1,165 sqft |
| Unfinished Basement | 291 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Ranch |
| Exterior Material | Masonry Veneer |
| Lot Area | 9,583 sqft (0.22 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 95 sqft |
| Patio Area | 100 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T010800116 |
|---|---|
| Street Address | 1345 SPRING PARK DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6495 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING LAKE ESTS #2 LOT 89 |
| Legal Subdivision | SPRING LAKE ESTS #2 |
| Legal Lot Number | 89 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 311148 |
1345 Spring Park Dr is owned and occupied by two individuals who bought it in April 2001.
Source: St. Charles County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1345 SPRING PARK DR, SAINT CHARLES, MO 63303-6495 |
| 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 28, 2026 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Aug 30, 2018 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2001 · Amount on File |
| Deed Sale | Apr 25, 2001 · Amount on File |
| Prior Sale | Jan 9, 2001 · Amount on File |
| Deed Document Number | 200131625 |
| Deed Book / Page | 2554 / 1304 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 28, 2026 |
| Property Address | 1345 SPRING PARK DR, SAINT CHARLES, MO 63303-6495 |
| Document Number | 0000046093 |
| Instrument Date | Sep 21, 2026 |
| Instrument | 202646093 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1345 SPRING PARK DR, SAINT CHARLES, MO 63303-6495 |
| Document Number | 0000046093, |
|---|---|
| Date | Sep 28, 2026 |
| Instrument | 202646093 |
| Name | COMMERCE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 21, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1345 SPRING PARK DR, SAINT CHARLES, MO 63303-6495 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0069700344 |
|---|---|
| Date | Aug 30, 2018 |
| Book Page | 6970/0344 |
| Instrument | 20180830000496990 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 23, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1345 Spring Park Dr was $4,107.
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 | $68,428 (-) | $360,148 (-) Land $80,000 Building $280,148 | |
| 2025 | $4,107.00 | $68,428 | $360,148 Land $80,000 Building $280,148 |
| 2023 | $63,047 | ||
| 2022 | $331,827 Land $60,000 Building $271,827 |
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 1345 Spring Park Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (1983–1995) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | May 1995 · Severe Storms, Tornadoes, Hail, Flooding |
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 1345 Spring Park Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 92% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% 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 347 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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