1805 Spring Mill Crk, Saint Charles, MO 63303 Property Records

St. Charles County property record for 1805 Spring Mill Crk, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,560 sqft · built 2013
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$680,000 (Aug 2020)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T060900367`

Property Details

APN / Parcel Number

Primary APN	`T060900367`
Alternative APN	`3-0011-9893-00-0109.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,560 sqft Living Area
Gross Area	6,691 sqft
1st Floor Area	2,471 sqft
Basement Area	2,471 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	15,682 sqft (0.36 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T060900367
Street Address	1805 SPRING MILL CRK
City	SAINT CHARLES
State	MO
Zip	63303-1333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING MILLS EST #2 LOT 109
Legal Subdivision	SPRING MILLS EST #2
Legal Lot Number	109
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1008
Census Tract	311211

Owner

1805 Spring Mill Crk is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1805 SPRING MILL CRK, SAINT CHARLES, MO 63303-1333
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2020 · Amount on File
Deed Sale	Aug 13, 2020 · Amount on File
Prior Sale	Nov 22, 2013 · Amount on File
Deed Document Number	2020580100
Deed Book / Page	7370 / 1452
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 13, 2020
Property Address	1805 SPRING MILL CRK, SAINT CHARLES, MO 63303-1333
Document Number	0073701452
Book / Page	7370 / 1452
Map Reference	MB 42 PG 227-230
Instrument Date	Aug 7, 2020
Instrument	20200813000580100
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	972 WHITMOOR DR, 972, WELDON SPRING, MO 63304-0526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1805 SPRING MILL CRK, SAINT CHARLES, MO 63303-1333

Mortgage

Document Number	20200813000580110
Date	Aug 13, 2020
Instrument	20200813000580110

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

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

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$159,382	$838,855 Land $115,005 Building $723,850
2023	$149,638
2022		$787,567 Land $115,005 Building $672,562

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

FEMA maps place 1805 Spring Mill Crk in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1979.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	12 (1979–2015)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And 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

Wildfire risk around 1805 Spring Mill Crk 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 99.8% of the US · lower than 99.6% 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 320 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