2382 Spring Mill Estates Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2382 Spring Mill Estates Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,631 sqft · built 2005
Lot Size	0.6 acres (26,136 sqft)
Owner	Trust Name on File
Last Sale	$700,000 (Jan 2013)
Tax Bill	$10,485 (2024)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T060900029`

Property Details

APN / Parcel Number

Primary APN	`T060900029`
Alternative APN	`3-0011-9778-00-0114.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,631 sqft Living Area
Gross Area	7,545 sqft
1st Floor Area	2,573 sqft
Basement Area	2,338 sqft
Finished Basement	1,160 sqft
Unfinished Basement	1,178 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	26,136 sqft (0.6 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	84 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T060900029
Street Address	2382 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 114
Legal Subdivision	SPRING MILL EST #1
Legal Lot Number	114
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1000
Census Tract	311211

Owner

2382 Spring Mill Estates Dr is owner-occupied and held in a trust since January 2013.

Source: St. Charles County records, as of August 13, 2025

Owner of Record	Trust Name on File
Mailing Address	2382 SPRING MILL ESTATES DR, SAINT CHARLES, MO 63303-1326
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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	Name on Deed
Last Sale	Jan 29, 2013 · Amount on File
Deed Sale	Jan 29, 2013 · Amount on File
Prior Sale	Jun 5, 2007 · Amount on File
Deed Document Number	201378630
Deed Book / Page	5946 / 416
Prior Transfer Date	Jan 17, 2013
Prior Transfer Doc	0059460416
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2382 SPRING MILL ESTATES DR, SAINT CHARLES, MO 63303-1326
Document Number	0067211251
Book / Page	006721 / 001251
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	Apr 11, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2382 SPRING MILL ESTATES DR ST CHARLES MO 633031326, ST CHARLES, MO 63303-1326

Mortgage

Document Number	0067211251
Date	Apr 3, 2017
Book Page	006721/001251
Instrument	196530

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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	Tax Bill	Assessed Value	Assessed Market Value
2025		$194,321	$1,022,738 Land $124,995 Building $897,743
2024	$10,485.00
2023		$177,814
2022			$935,861 Land $124,995 Building $810,866

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 2382 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

Wildfire risk around 2382 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.

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