262 Spencer Pl, Saint Peters, MO 63376 Property Records

St. Charles County property record for 262 Spencer Pl, Saint Peters, MO 63376

Property Summary

Property Type	Duplex
Details	2 bd · 3 ba · 1,219 sqft · built 1985
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$173,500 (Mar 2021)
Tax Bill	$2,216 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A850001472`

Property Details

APN / Parcel Number

Primary APN	`A850001472`
Alternative APN	`2-0110-5717-00-0011.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,219 sqft Total Area
1st Floor Area	625 sqft
Basement Area	594 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	9,583 sqft (0.219 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A850001472
Old Parcel Number	A850001472
Street Address	262 SPENCER PL
City	SAINT PETERS
State	MO
Zip	63376-2387
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AF2
Legal Description	SPENCER PL PT LOT 11
Legal Range	04E
Legal Township	47N
Legal Subdivision	SPENCER PL
Legal Lot Number	11
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	3
Census Block	3000
Census Tract	311311

Owner

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	262 SPENCER PL, SAINT PETERS, MO 63376-2387
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2021 · Amount on Record
Deed Sale	Mar 10, 2021 · Amount on Record
Deed Document Number	0202121161
Deed Book / Page	2047 / 1426
Prior Transfer Date	Mar 23, 1998
Prior Transfer Doc	20382
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	262 SPENCER PL, SAINT PETERS, MO 63376-2387
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOUTHWEST FINANCIAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066980358
Date	Feb 10, 2017
Book Page	6698/0358
Instrument	20170210000089090

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	262 SPENCER PL, SAINT PETERS, MO 63376-2387
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070591710
Date	Apr 16, 2019
Book Page	7059/1710
Instrument	20190416000171710

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Peters City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,216.00	$31,627 (+7.55%)	$166,456 (+7.55%) Land $30,000 Building $136,456
2023		$29,406
2022			$154,769 Land $21,000 Building $133,769

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 98.2% 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 PETERS PWS serves 52,575 people · EPA ID MO6010719
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Mar 2023
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	None 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 507 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
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

May also be available: i3 Broadband.

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