2405 Spring Mill Estates Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2405 Spring Mill Estates Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 4,403 sqft · built 2010
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on Record
Last Sale	$353,800 (Sep 2019)
Tax Bill	$9,052 (2025)
Deeds & Mortgages	Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T060900342`

Property Details

APN / Parcel Number

Primary APN	`T060900342`
Alternative APN	`3-0010-9893-00-0084.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,503 sqft Living Area
Gross Area	6,421 sqft
1st Floor Area	2,903 sqft
Basement Area	2,867 sqft
Finished Basement	1,600 sqft
Unfinished Basement	1,267 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Stone
Lot Area	21,344 sqft (0.49 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	127 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T060900342
Street Address	2405 SPRING MILL ESTATES DR
City	SAINT CHARLES
State	MO
Zip	63303-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING MILLS EST #2 LOT 84
Legal Subdivision	SPRING MILLS EST #2
Legal Lot Number	84
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1000
Census Tract	311211

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2405 SPRING MILL ESTATES DR, SAINT CHARLES, MO 63303-1314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2019 · Amount on Record
Deed Sale	Sep 11, 2019 · Amount on Record
Prior Sale	Oct 6, 2010 · Amount on Record
Deed Document Number	2019492590
Deed Book / Page	7140 / 97
Prior Transfer Date	Aug 27, 2019
Prior Transfer Doc	0071400097
Record Updated	Oct 29, 2026

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 11, 2019
Property Address	2405 SPRING MILL ESTATES DR, SAINT CHARLES, MO 63303-1314
Document Number	0071400097
Book / Page	7140 / 0097
Map Reference	MB 42 PG 227
Instrument Date	Aug 27, 2019
Instrument	20190911000492590
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 SPRING DR, SAINT CHARLES, MO 63303-3114

Mortgage

Document Number	20190911000492600
Date	Sep 11, 2019
Instrument	20190911000492600

Lender

Name	ALLIANCE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2034

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$157,944 (-)	$831,283 (-) Land $124,995 Building $706,288
2025	$9,052.00 (-0.06%)	$157,944 (+2.88%)	$831,283 (+2.88%) Land $124,995 Building $706,288
2024	$9,057.00
2023		$153,524
2022			$808,020 Land $124,995 Building $683,025

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

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

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.

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