40 Spring Trail Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 40 Spring Trail Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,028 sqft · built 2001
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Sep 2022)
Tax Bill	$4,683 (2025)
Deeds & Mortgages	Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T010800060`

Property Details

APN / Parcel Number

Primary APN	`T010800060`
Alternative APN	`3-0037-8536-00-0033.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,228 sqft Living Area
Gross Area	4,470 sqft
1st Floor Area	2,028 sqft
Basement Area	1,980 sqft
Finished Basement	1,200 sqft
Unfinished Basement	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,890 sqft (0.25 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T010800060
Street Address	40 SPRING TRAIL CT
City	SAINT CHARLES
State	MO
Zip	63303-6488
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING LAKE ESTS #2 LOT 33
Legal Subdivision	SPRING LAKE ESTS #2
Legal Lot Number	33
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	3
Census Block	3000
Census Tract	311148

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2022 · Amount on Record
Deed Sale	Sep 29, 2022 · Amount on Record
Prior Sale	Oct 25, 2001 · Amount on Record
Deed Document Number	202253533
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 29, 2022
Property Address	40 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488
Document Number	0000053533
Map Reference	MB 37 PG 102
Instrument Date	Sep 28, 2022
Instrument	2022R-053533
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	552 N FARM ROAD 199, SPRINGFIELD, MO 65802-7312

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488

Mortgage

Document Number	0000053534
Date	Sep 29, 2022
Instrument	2022R-053534

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.2%
Index	Other
Margin	3
Max Rate	10.2%

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$78,097 (-)	$411,039 (-) Land $80,000 Building $331,039
2025	$4,683.00	$78,097 (+8.84%)	$411,039 (+8.84%) Land $80,000 Building $331,039
2023		$71,754
2022			$377,655 Land $60,000 Building $317,655

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 · 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 Claims	3 (1983–1995)
Claims Outside the SFHA	2 of 3
Most Recent Claim	May 1995 · Severe Storms, Tornadoes, Hail, Flooding

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) 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 474 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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