St. Charles County property record for 4 Spencer Path Dr, Saint Peters, MO 63376
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,512 sqft · built 1978 |
| Lot Size | 0.133 acres (5,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $317,870 (Mar 2026) |
| Tax Bill | $3,598 (2025) |
| Deeds & Mortgages | Jun 2026 Construction Loan Mar 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 406320B036 |
| Primary APN | 406320B036 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| Gross Area | 3,480 sqft |
| 1st Floor Area | 1,512 sqft |
| Basement Area | 1,512 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,810 sqft (0.133 acres) |
| Lot Dimensions | 70 ft deep x 83 ft wide |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 95 sqft |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 406320B036 |
|---|---|
| Street Address | 4 SPENCER PATH DR |
| City | SAINT PETERS |
| State | MO |
| Zip | 63376-2560 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AD4 |
| Legal Description | SPENCER CREEK NORTH VLG #8 LOT 836 |
| Legal Subdivision | SPENCER CREEK NORTH VLG #8 |
| Legal Lot Number | 836 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | SPENCER CREEK |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 311203 |
4 Spencer Path Dr is owned and occupied by an individual who bought it in March 2026.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4 SPENCER PATH DR, SAINT PETERS, MO 63376-2560 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 22, 2026 | Deed of Trust, Mortgage · Construction Mortgage D AND D CONSTRUCTION LOANS LLC |
| Mar 27, 2026 | Intrafamily Transfer, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Apr 30, 2021 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2026 · Amount on File |
| Deed Sale | Mar 27, 2026 · Amount on File |
| Prior Sale | Apr 14, 2017 · Amount on File |
| Deed Document Number | 202613991 |
| Prior Transfer Date | Mar 20, 2026 |
| Prior Transfer Doc | 0000013991 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 22, 2026 |
| Property Address | 4 SPENCER PATH DR, SAINT PETERS, MO 63376-2560 |
| Document Number | 0000028901 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202628901 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4 SPENCER PATH DR, SAINT PETERS, MO 63376-2560 |
| Document Number | 0000028901, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 202628901 |
| Name | D AND D CONSTRUCTION LOANS LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 18 Months |
| Due | Dec 1, 2027 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 27, 2026 |
| Property Address | 4 SPENCER PATH DR, SAINT PETERS, MO 63376-2560 |
| Document Number | 0000013991 |
| Map Reference | MB 20 PG 80 |
| Instrument Date | Mar 18, 2026 |
| Instrument | 2026R-013991 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 SPENCER PATH DR, SAINT PETERS, MO 63376-2560 |
| Name | Verified Name |
|---|---|
| Address | 4 SPENCER PATH DR, SAINT PETERS, MO 63376-2560 |
| Document Number | 0000013992 |
|---|---|
| Date | Mar 27, 2026 |
| Instrument | 2026R-013992 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4 SPENCER PATH DR, SAINT PETERS, MO 63376-2560 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4 SPENCER PATH CT, SAINT PETERS, MO 63376-2558 |
| Document Number | 0000038003 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 2021R-038003 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 4 Spencer Path Dr was $3,598, up 5.3% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Peters City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $51,710 (-) | $272,158 (-) Land $60,000 Building $212,158 | |
| 2025 | $3,598.00 (+5.27%) | $51,710 | $272,158 Land $60,000 Building $212,158 |
| 2024 | $3,418.00 | ||
| 2023 | $47,871 (+19.63%) | ||
| 2022 | $3,048.00 | $40,016 | $251,952 (+19.63%) Land $50,000 Building $201,952 |
| 2021 | $210,612 Land $45,000 Building $165,612 |
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.
FEMA maps place 4 Spencer Path Dr in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1979.
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 | 9 in force |
| Nearby Flood Claims | 13 (1979–2022) |
| Claims Outside the SFHA | 3 of 13 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 4 Spencer Path Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 535 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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