St. Charles County property record for 14 Spring Gardens Ct, Saint Charles, MO 63303
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 3 ba · 2,382 sqft · built 1997 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (Jan 2023) |
| Tax Bill | $3,544 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Jun 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | A986000014 |
| Primary APN | A986000014 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,382 sqft Living Area |
| Gross Area | 3,132 sqft |
| 1st Floor Area | 1,382 sqft |
| Basement Area | 1,370 sqft |
| Finished Basement | 1,000 sqft |
| Unfinished Basement | 370 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Spanish |
| Exterior Material | Brick/Stone |
| Lot Area | 1,742 sqft (0.04 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | Deck Area |
| Patio Area | 220 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A986000014 |
|---|---|
| Street Address | 14 SPRING GARDENS CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-3035 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | SPRING GARDENS RESUB UNIT 2D |
| Legal Subdivision | SPRING GARDENS RESUB 2 |
| Legal Lot Number | 2D |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 310903 |
14 Spring Gardens Ct, a condominium, is owned and occupied by an individual who bought it in January 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 14 SPRING GARDENS CT, SAINT CHARLES, MO 63303-3035 |
| 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 |
|---|---|
| Jan 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Jun 24, 2022 | Warranty Deed, Transfer TRUE TITLE, TRUSTED TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 12, 2023 · Amount on File |
| Deed Sale | Jan 12, 2023 · Amount on File |
| Prior Sale | Jun 24, 2022 · Amount on File |
| Deed Document Number | 20231430 |
| Prior Transfer Date | Mar 13, 2020 |
| Prior Transfer Doc | 0000154640 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 12, 2023 |
| Property Address | 14 SPRING GARDENS CT, SAINT CHARLES, MO 63303-3035 |
| Document Number | 0000001430 |
| Map Reference | MB 34 PG 82 |
| Instrument Date | Jan 9, 2023 |
| Instrument | 2023R-001430 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094 |
| Name | Verified Name |
|---|---|
| Address | 14 SPRING GARDENS CT # 2D, 2D, SAINT CHARLES, MO 63303-3035 |
| Document Number | 0000001431 |
|---|---|
| Date | Jan 12, 2023 |
| Instrument | 2023R-001431 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 24, 2022 |
| Property Address | 14 SPRING GARDENS CT, SAINT CHARLES, MO 63303-3035 |
| Document Number | 0000035277 |
| Map Reference | MB 34 PG 82 |
| Instrument Date | Jun 21, 2022 |
| Instrument | 2022R-035277 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Title Company | TRUE TITLE, TRUSTED TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 14 Spring Gardens Ct was $3,544.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $56,611 (+0.06%) | $297,954 (+0.06%) Building $297,954 | |
| 2025 | $3,544.00 | $56,577 | $297,774 |
| 2023 | $52,604 | ||
| 2022 | $276,864 Building $276,864 |
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 14 Spring Gardens Ct in Zone X, an area of minimal flood risk.
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 risk around 14 Spring Gardens Ct 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 99.1% of the US · lower than 98.2% 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 CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| 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 | 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.
Source: FCC Broadband Data Collection, based on 328 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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