St. Charles County property record for 2398 Spring Mill Woods, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,730 sqft · built 2006 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,383,200 (May 2026) |
| Tax Bill | $11,149 (2025) |
| Deeds & Mortgages | Aug 2025 Line of Credit May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T060900330 |
| Primary APN | T060900330 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 4,730 sqft Living Area |
| Gross Area | 8,499 sqft |
| 1st Floor Area | 3,228 sqft |
| Basement Area | 3,065 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Lot Area | 17,860 sqft (0.41 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 704 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 65 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T060900330 |
|---|---|
| Street Address | 2398 SPRING MILL WOODS |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-1338 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING MILLS EST #2 LOT 72 |
| Legal Subdivision | SPRING MILLS EST #2 |
| Legal Lot Number | 72 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311211 |
2398 Spring Mill Woods is owned and occupied by two individuals who bought it in May 2026.
Source: St. Charles County records, as of June 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2398 SPRING MILL WOODS, SAINT CHARLES, MO 63303-1338 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 5, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| May 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on File |
| Deed Sale | May 28, 2026 · Amount on File |
| Prior Sale | Apr 14, 2016 · Amount on File |
| Deed Document Number | 202624871 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2398 SPRING MILL WOODS, SAINT CHARLES, MO 63303-1338 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2026 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 2398 SPRING MILL WOODS, SAINT CHARLES, MO 63303-1338 |
| Document Number | 0000033689 |
|---|---|
| Date | Aug 5, 2025 |
| Instrument | 2025R-033689 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jul 1, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 28, 2026 |
| Property Address | 2398 SPRING MILL WOODS, SAINT CHARLES, MO 63303-1338 |
| Document Number | 0000024871 |
| Instrument Date | May 26, 2026 |
| Instrument | 202624871 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2398 SPRING MILL WOODS, SAINT CHARLES, MO 63303-1338 |
| Investor | Possibly a Property Investor |
| Document Number | 0000024872, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202624872 |
| Name | GERSHMAN INVESTMENT CORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 2398 Spring Mill Woods was $11,149.
Source: St. Charles County assessment roll, as of August 13, 2025
| 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 |
|---|---|---|---|
| 2025 | $11,149.00 | $194,670 | $1,024,580 Land $137,490 Building $887,090 |
| 2023 | $181,129 | ||
| 2022 | $953,312 Land $137,490 Building $815,822 |
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 2398 Spring Mill Woods 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 2398 Spring Mill Woods is low, with 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 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 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 |
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