317 Spencer Pl, Saint Peters, MO 63376 Property Records

St. Charles County property record for 317 Spencer Pl, Saint Peters, MO 63376

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,014 sqft · built 1984
Lot Size	0.089 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$87,500 (Jul 2011)
Tax Bill	$2,150 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A850001480`

Property Details

APN / Parcel Number

Primary APN	`A850001480`
Alternative APN	`2-0110-5717-00-0019.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,014 sqft Total Area
1st Floor Area	1,014 sqft
Basement Area	1,000 sqft

Exterior

Year Built	Built 1984
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	3,920 sqft (0.089 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	A850001480
Old Parcel Number	A850001480
Street Address	317 SPENCER PL
City	SAINT PETERS
State	MO
Zip	63376-2397
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SPENCER PL PT LOT 19
Legal Range	04E
Legal Township	47N
Legal Subdivision	SPENCER PL
Legal Lot Number	19
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 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	317 SPENCER PL, SAINT PETERS, MO 63376-2397
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2017	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jan 21, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2011 · Amount on Record
Deed Sale	Jul 18, 2011 · Amount on Record
Prior Sale	Jul 18, 2011
Deed Document Number	0005610868
Deed Book / Page	5610 / 868
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	317 SPENCER PL, SAINT PETERS, MO 63376-2397
Document Number	0068341214
Book / Page	006834 / 001214
Instrument Date	Oct 21, 2017
Transaction Type	Mortgage
Record Updated	Nov 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 SPENCER PL ST PETERS MO 633762397, ST PETERS, MO 63376-2397

Mortgage

Document Number	0068341214
Date	Nov 6, 2017
Book Page	006834/001214
Instrument	693170

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.62%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	317 SPENCER PL, SAINT PETERS, MO 63376-2397
Document Number	0066910894
Book / Page	006691 / 000894
Instrument Date	Jan 21, 2017
Transaction Type	Mortgage
Record Updated	Feb 28, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 SPENCER PL ST PETERS MO 633762397, ST PETERS, MO 63376-2397

Mortgage

Document Number	0066910894
Date	Jan 26, 2017
Book Page	006691/000894
Instrument	56480

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2047

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	$2,150.00	$30,667 (+8%)	$161,405 (+8%) Land $30,000 Building $131,405
2023		$28,396
2022			$149,454 Land $21,000 Building $128,454

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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