St. Charles County property record for 278 Spring Dr, Saint Charles, MO 63303 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,818 sqft · built 1992 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Company Names on File |
| Deeds & Mortgages | Jan 2026 Transfer Jan 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | A936000073 |
| Primary APN | A936000073 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,818 sqft Living Area |
| Gross Area | 3,120 sqft |
| 1st Floor Area | 934 sqft |
| Basement Area | 884 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A936000073 |
|---|---|
| Street Address | 278 SPRING DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-3000 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OXFORD CROSSING LOT 73 |
| Legal Subdivision | OXFORD CROSSING |
| Legal Lot Number | 73 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 310903 |
Source: St. Charles County records · APN A936000073
Assessment roll updated August 7, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 278 SPRING DR, SAINT CHARLES, MO 63303-3000 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jan 12, 2026 | Intrafamily Transfer, Transfer |
| Jan 24, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jan 08, 2026 |
| Transfer Doc | 0000001611 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 12, 2026 |
| Property Address | 278 SPRING DR, SAINT CHARLES, MO 63303-3000 |
| Document Number | 0000001611 |
| Map Reference | MB 30 PG 369 |
| Instrument Date | Jan 08, 2026 |
| Instrument | 2026R-001611 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 278 SPRING DR, SAINT CHARLES, MO 63303-3000 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 278 SPRING DR, SAINT CHARLES, MO 63303-3000 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 278 SPRING DR, SAINT CHARLES, MO 63303-3000 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2023 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 278 SPRING DR, SAINT CHARLES, MO 63303-3000 |
| Document Number | 0000002774 |
|---|---|
| Date | Jan 24, 2023 |
| Instrument | 2023R-002774 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 05, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $59,368 (-) | $312,465 (-) Land $65,000 Building $247,465 |
| 2025 | $59,368 (+8%) | $312,465 (+8%) Land $65,000 Building $247,465 |
| 2023 | $54,970 | |
| 2022 | $289,314 Land $55,000 Building $234,314 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 328 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| WH i3B Bidco LLC/WH i3B Topco | Fiber | 8,000 / 8,000 |
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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