14645 Mill Spring Ct, Chesterfield, MO 63017 Property Records

St. Louis County property record for 14645 Mill Spring Ct, Chesterfield, MO 63017

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,232 sqft · built 1979
Lot Size	0.456 acres (19,846 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Oct 1998)
Tax Bill	$7,283 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19R-22-0472`

Property Details

APN / Parcel Number

Primary APN	`19R-22-0472`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,232 sqft Living Area
Gross Area	4,532 sqft
1st Floor Area	1,878 sqft
Basement Area	760 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	19,846 sqft (0.456 acres)
Lot Dimensions	150 ft deep x 202 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	24 sqft
Patio Area	228 sqft
Balcony Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	14645 MILL SPRING CT
City	CHESTERFIELD
State	MO
Zip	63017-5634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	105R1A
Legal Description	CHESTERFIELD TRAILS 9 29 78 LOT 473
Legal Subdivision	CHESTERFIELD TRAILS
Legal Lot Number	473
Jurisdiction	ST LOUIS MO
Township / Civil Division	LAFAYETTE
Census Block Group	2
Census Block	2006
Census Tract	217853

Owner

Source: St. Louis County records, as of September 29, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	14645 MILL SPRING CT, CHESTERFIELD, MO 63017-5634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Jan 24, 2023	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 1998 · Amount on Record
Deed Sale	Oct 13, 1998 · Amount on Record
Deed Document Number	1998526
Deed Book / Page	1803 / 610
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	14645 MILL SPRING CT, CHESTERFIELD, MO 63017-5634
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14645 MILL SPRING CT, CHESTERFIELD, MO 63017-5634

Mortgage

Document Number	0252244699
Date	Nov 16, 2021
Book Page	25224/4699
Instrument	2021111600629

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	14645 MILL SPRING CT, CHESTERFIELD, MO 63017-5634
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14645 MILL SPRING CT, CHESTERFIELD, MO 63017-5634

Mortgage

Document Number	2023012400292
Date	Jan 24, 2023
Instrument	2023012400292

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 18, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Chesterfield City
County	St. Louis County
Unified School District	Parkway C-2 School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$116,650 (-) Land $41,120 Building $75,530	$613,900 (-) Land $216,400 Building $397,500
2025	$7,283.00 (+7.98%)	$116,650 (+14.25%) Land $41,120 Building $75,530	$613,900 (+14.24%) Land $216,400 Building $397,500
2024	$6,745.00 (+4.27%)
2023	$6,469.00 (+5.07%)	$102,100 (+14.95%) Land $24,660 Building $77,440	$537,400 (+14.95%) Land $129,800 Building $407,600
2022	$6,157.00	$88,820 Land $24,660 Building $64,160
2021			$467,500 Land $129,800 Building $337,700

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 10, 2025 · 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	3 in force

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	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

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 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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