308 Universal Dr, Saint Peters, MO 63376 Property Records

St. Charles County property record for 308 Universal Dr, Saint Peters, MO 63376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,008 sqft · built 1984
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$198,000 (Feb 2018)
Tax Bill	$3,941 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A850001051`

Property Details

APN / Parcel Number

Primary APN	`A850001051`
Alternative APN	`3-0153-5731-00-0809.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,008 sqft Living Area
Gross Area	3,132 sqft
1st Floor Area	1,392 sqft
Basement Area	1,322 sqft
Finished Basement	616 sqft
Unfinished Basement	706 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Bi-Level
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	20 sqft
Deck Area	Deck Area
Patio Area	326 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A850001051
Street Address	308 UNIVERSAL DR
City	SAINT PETERS
State	MO
Zip	63376-4425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRESCENT HILLS #8 LOT 809
Legal Subdivision	CRESCENT HILLS #8
Legal Lot Number	809
Jurisdiction	ST CHARLES MO
Township / Civil Division	SPENCER CREEK
Census Block Group	1
Census Block	1002
Census Tract	311294

Owner

308 Universal Dr is owned and occupied by an individual who bought it in February 2018.

Source: St. Charles County records, as of August 7, 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 File
Mailing Address	308 UNIVERSAL DR, SAINT PETERS, MO 63376-4425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Deed of Trust, Mortgage · Line of Credit COMMUNITYAMERICA CU
Mar 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP
Feb 8, 2018	Warranty Deed, Transfer DAS ACQUISITION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2018 · Amount on File
Deed Sale	Feb 8, 2018 · Amount on File
Prior Sale	Aug 2, 2012 · Amount on File
Deed Document Number	201870270
Deed Book / Page	6876 / 1735
Prior Transfer Date	Aug 13, 2002
Prior Transfer Doc	0000080718
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	308 UNIVERSAL DR, SAINT PETERS, MO 63376-4425
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 UNIVERSAL DR, SAINT PETERS, MO 63376-4425

Mortgage

Document Number	0000045501
Date	Oct 14, 2025
Instrument	2025R-045501

Lender

Name	COMMUNITYAMERICA CU
Type	Credit Union
Address	LENEXA, KS 66219

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	308 UNIVERSAL DR, SAINT PETERS, MO 63376-4425
Transaction Type	Mortgage
Record Updated	Mar 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 UNIVERSAL DR, COTTLEVILLE, MO 63376-4425

Mortgage

Document Number	0000012597
Date	Mar 3, 2022
Instrument	2022R-012597

Lender

Name	JLB CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 8, 2018
Property Address	308 UNIVERSAL DR, SAINT PETERS, MO 63376-4425
Document Number	0068761735
Book / Page	006876 / 001735
Instrument Date	Jan 31, 2018
Instrument	70270
Transaction Type	Transfer
Record Updated	Mar 14, 2018
Title Company	US TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 UNIVERSAL DR ST PETERS MO 633764425, ST PETERS, MO 63376-4425

Mortgage

Document Number	68761737
Date	Feb 8, 2018
Book Page	006876/001737
Instrument	70280

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 7, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 308 Universal Dr was $3,941, up 3.1% from the year before.

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	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$57,959 (-)	$305,049 (-) Land $50,000 Building $255,049
2025	$3,941.00 (+3.14%)	$57,959	$305,049 Land $50,000 Building $255,049
2024	$3,821.00
2023		$54,707
2022			$287,932 Land $50,000 Building $237,932

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

FEMA maps place 308 Universal Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1996.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (1996–2022)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms, Flooding, And A Tornado, Sep 2008 · 2 claims

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

Wildfire risk around 308 Universal Dr is low, with less than 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 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 506 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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