St. Charles County property record for 2346 Spring Mill Estates Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,515 sqft · built 2014 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $929,900 (May 2024) |
| Tax Bill | $9,454 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Aug 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | T060900038 |
| Primary APN | T060900038 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,515 sqft Living Area |
| Gross Area | 6,997 sqft |
| 1st Floor Area | 2,510 sqft |
| Basement Area | 2,483 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Bi-Level |
| Lot Area | 23,087 sqft (0.53 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 999 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T060900038 |
|---|---|
| Street Address | 2346 SPRING MILL ESTATES DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-1326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING MILL EST #1 LOT 123 |
| Legal Subdivision | SPRING MILL EST #1 |
| Legal Lot Number | 123 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 311211 |
2346 Spring Mill Estates Dr is owned and occupied by two individuals who bought it in May 2024.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2346 SPRING MILL ESTATES DR, SAINT CHARLES, MO 63303-1326 |
| 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 |
|---|---|
| Aug 11, 2023 | Deed of Trust, Mortgage · Line of Credit UMB BANK NA |
| Aug 11, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2024 · Amount on File |
| Deed Sale | May 16, 2024 · Amount on File |
| Prior Sale | Aug 11, 2023 · Amount on File |
| Deed Document Number | 202418930 |
| Prior Transfer Date | Jul 28, 2023 |
| Prior Transfer Doc | 0000032249 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2346 SPRING MILL ESTATES DR, SAINT CHARLES, MO 63303-1326 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2246 SPRING MILL ESTATES DRIVE, SAINT CHARLES, MO 63303 |
| Document Number | 0000032306 |
|---|---|
| Date | Aug 11, 2023 |
| Instrument | 2023R-032306 |
| Name | UMB BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 11, 2023 |
| Property Address | 2346 SPRING MILL ESTATES DR, SAINT CHARLES, MO 63303-1326 |
| Document Number | 0000032249 |
| Map Reference | MB 42 PG 30 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 2023R-032249 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2346 SPRING MILL ESTATES DR, SAINT CHARLES, MO 63303-1326 |
The 2025 property tax bill for 2346 Spring Mill Estates Dr was $9,454.
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 | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $164,986 (-) | $868,348 (-) Land $112,500 Building $755,848 | |
| 2025 | $9,454.00 | $164,986 | $868,348 Land $112,500 Building $755,848 |
| 2023 | $152,566 | ||
| 2022 | $802,978 Land $112,500 Building $690,478 |
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 2346 Spring Mill Estates Dr 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 risk around 2346 Spring Mill Estates Dr 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.
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 188 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, Fixed Wireless in parts of the area | 100 / 20 |
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