143 Universal Dr, Saint Peters, MO 63376 Property Records

St. Charles County property record for 143 Universal Dr, Saint Peters, MO 63376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,594 sqft · built 1983
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$128,000 (Feb 2013)
Tax Bill	$3,194 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`427845C231`

Property Details

APN / Parcel Number

Primary APN	`427845C231`
Alternative APN	`3-0153-5585-00-0140.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,594 sqft Living Area
Gross Area	1,968 sqft
1st Floor Area	1,104 sqft
Basement Area	576 sqft
Finished Basement	490 sqft
Unfinished Basement	86 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Split Level
Exterior Material	Brick/Stone
Roof Type	Sawtooth
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	100 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	427845C231
Street Address	143 UNIVERSAL DR
City	SAINT PETERS
State	MO
Zip	63376-4420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	CRESCENT HILLS #3 LOT 140
Legal Subdivision	CRESCENT HILLS #3
Legal Lot Number	140
Jurisdiction	ST CHARLES MO
Township / Civil Division	SPENCER CREEK
Census Block Group	1
Census Block	1007
Census Tract	311294

Owner

Source: St. Charles County records, as of August 7, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	143 UNIVERSAL DR, SAINT PETERS, MO 63376-4420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Deed of Trust, Mortgage · Line of Credit ALLIANCE CU
Jan 5, 2018	Deed of Trust, Mortgage · ARM ALLIANCE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2013 · Amount on Record
Deed Sale	Feb 6, 2013 · Amount on Record
Prior Sale	Jul 13, 2012 · Amount on Record
Deed Document Number	2013104930
Deed Book / Page	5953 / 299
Prior Transfer Date	Dec 31, 2002
Prior Transfer Doc	0000002827
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	143 UNIVERSAL DR, SAINT PETERS, MO 63376-4420
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	143 UNIVERSAL DR, SAINT PETERS, MO 63376-4420

Mortgage

Document Number	0000001206
Date	Jan 11, 2023
Instrument	2023R-001206

Lender

Name	ALLIANCE CU
Type	Credit Union
Address	FENTON, MO 63026

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	143 UNIVERSAL DR, SAINT PETERS, MO 63376-4420
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONS TITLE AGENCY OF MISS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068631015
Date	Jan 5, 2018
Book Page	6863/1015
Instrument	20180105000009440

Lender

Name	ALLIANCE CU
Type	Credit Union
Address	FENTON, MO 63026

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6%
Index	1-Year CMT
Margin	2
Max Rate	9%

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	St. Peters City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$46,855 (-)	$246,608 (-) Land $50,000 Building $196,608
2025	$3,194.00	$46,855 (+8.31%)	$246,608 (+8.31%) Land $50,000 Building $196,608
2023		$43,260
2022			$227,687 Land $50,000 Building $177,687

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 · 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	2 in force
Nearby Flood Claims	6 (1996–2022)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms, Flooding, And A Tornado, Sep 2008 · 2 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 542 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Gateway Fiber, Verizon.

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