303 Spencer Pl, Saint Peters, MO 63376 Property Records

St. Charles County property record for 303 Spencer Pl, Saint Peters, MO 63376

Property Summary

Property Type	Duplex
Details	6 bd · 5 ba · 2,500 sqft · built 1986
Lot Size	0.18 acres (7,841 sqft)
Owner	Company Name on Record
Last Sale	$365,000 (Apr 2025)
Tax Bill	$3,891 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`A850001478`

Property Details

APN / Parcel Number

Primary APN	`A850001478`
Alternative APN	`2-0110-5717-00-0017.0000000`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,500 sqft Living Area
Gross Area	4,264 sqft
1st Floor Area	1,312 sqft
Basement Area	1,188 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Duplex Single
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A850001478
Street Address	303 SPENCER PL
City	SAINT PETERS
State	MO
Zip	63376-2397
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AF2
Legal Description	SPENCER PL LOT 17
Legal Subdivision	SPENCER PL
Legal Lot Number	17
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	3
Census Block	3011
Census Tract	311311

Owner

Source: St. Charles County records, as of September 10, 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	Company Name on Record
Mailing Address	16225 WYNNCREST RIDGE CT, WILDWOOD, MO 63005-6724
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2024	Special Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Oct 26, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2025 · Amount on Record
Deed Sale	Apr 1, 2025 · Amount on Record
Prior Sale	Apr 23, 2024 · Amount on Record
Deed Document Number	202512566
Prior Transfer Date	Dec 29, 2023
Prior Transfer Doc	0000009631
Record Updated	Oct 29, 2026

April 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 23, 2024
Property Address	303 SPENCER PL, SAINT PETERS, MO 63376-2397
Document Number	0000015308
Map Reference	MB 23 PG 101
Instrument Date	Apr 22, 2024
Instrument	2024R-015308
Transaction Type	Transfer
Record Updated	May 7, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 BRIARCHASE CIR, LAKE SAINT LOUIS, MO 63367-6460

Mortgage

Document Number	0000015309
Date	Apr 23, 2024
Instrument	2024R-015309

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 26, 2018
Property Address	303 SPENCER PL, SAINT PETERS, MO 63376-2397
Document Number	0069951046
Book / Page	006995 / 001046
Instrument Date	Oct 5, 2018
Instrument	611680
Transaction Type	Transfer
Record Updated	Nov 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	725 N HIGHWAY A1A #602 INDIALANTIC FL 32903, 602, INDIALANTIC, FL 32903

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. 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
2026		$55,390 (-)	$291,523 (-) Land $60,000 Building $231,523
2025	$3,891.00	$55,390 (+9.01%)	$291,523 (+9.01%) Land $60,000 Building $231,523
2023		$50,813
2022			$267,437 Land $42,000 Building $225,437

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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