St. Charles County property record for 15 Spencer Path Dr, Saint Peters, MO 63376
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,306 sqft · built 1983 |
| Lot Size | 0.201 acres (8,775 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,172 (2024) |
| Deeds & Mortgages | Mar 2018 Mortgage Aug 2019 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 406320B003 |
| Primary APN | 406320B003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,306 sqft Living Area |
| Gross Area | 3,002 sqft |
| 1st Floor Area | 1,306 sqft |
| Basement Area | 1,256 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,775 sqft (0.201 acres) |
| Lot Dimensions | 117 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Patio Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 406320B003 |
|---|---|
| Street Address | 15 SPENCER PATH DR |
| City | SAINT PETERS |
| State | MO |
| Zip | 63376-2559 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AD4 |
| Legal Description | SPENCER CREEK NORTH VLG #8 LOT 803 |
| Legal Subdivision | SPENCER CREEK NORTH VLG #8 |
| Legal Lot Number | 803 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | SPENCER CREEK |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 311203 |
15 Spencer Path Dr is owned and occupied by two individuals who acquired it in August 2019.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 SPENCER PATH DR, SAINT PETERS, MO 63376-2559 |
| 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 |
|---|---|
| Mar 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Aug 9, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 29, 2019 |
| Transfer Doc | 0071410305 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 15 SPENCER PATH DR, SAINT PETERS, MO 63376-2559 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0068921724 |
|---|---|
| Date | Mar 19, 2018 |
| Book Page | 6892/1724 |
| Instrument | 20180319000142850 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 15 SPENCER PATH DR, SAINT PETERS, MO 63376-2559 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 0071201780 |
|---|---|
| Date | Aug 9, 2019 |
| Book Page | 7120/1780 |
| Instrument | 20190809000417310 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 30, 2049 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Peters City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $48,116 (-) | $253,241 (-) Land $60,000 Building $193,241 | |
| 2025 | $48,116 | $253,241 Land $60,000 Building $193,241 | |
| 2024 | $3,172.00 | ||
| 2023 | $44,395 | ||
| 2022 | $233,657 Land $50,000 Building $183,657 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 Spencer Path 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 13 (1979–2022) |
| Claims Outside the SFHA | 3 of 13 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 15 Spencer Path Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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 535 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 · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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