402 Spencer Pl, Saint Peters, MO 63376 Property Records

St. Charles County property record for 402 Spencer Pl, Saint Peters, MO 63376

Property Summary

Property Type	Duplex
Details	2 bd · 2.5 ba · 1,798 sqft · built 1988
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$177,675 (May 2021)
Tax Bill	$2,803 (2025)
Deeds & Mortgages	May 2021 Mortgage Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A850001464`

Property Details

APN / Parcel Number

Primary APN	`A850001464`
Alternative APN	`2-0110-5717-00-0003.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,798 sqft Living Area
Gross Area	2,100 sqft
1st Floor Area	624 sqft
Basement Area	594 sqft
Finished Basement	580 sqft
Unfinished Basement	14 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	16 sqft
Deck Area	Deck Area
Patio Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A850001464
Street Address	402 SPENCER PL
City	SAINT PETERS
State	MO
Zip	63376-2385
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AF2
Legal Description	SPENCER PL PT LOT 3
Legal Subdivision	SPENCER PL
Legal Lot Number	3
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	3
Census Block	3005
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	Individual Name on Record
Mailing Address	402 SPENCER PL, SAINT PETERS, MO 63376-2385
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Sep 28, 2018	Warranty Deed, Transfer · FHA Mortgage STIFEL BK&TR
Sep 28, 2018	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2021 · Amount on Record
Deed Sale	May 13, 2021 · Amount on Record
Prior Sale	Sep 28, 2018 · Amount on Record
Deed Document Number	202141890
Prior Transfer Date	Sep 22, 2018
Prior Transfer Doc	0000055844
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 13, 2021
Property Address	402 SPENCER PL, SAINT PETERS, MO 63376-2385
Document Number	2021R041890
Map Reference	MB 23 PG 101
Instrument Date	May 11, 2021
Instrument	2021R-041890
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	184 PALACE WAY DR, 184, TROY, MO 63379-7267

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 SPENCER PL, SAINT PETERS, MO 63376-2385

Mortgage

Document Number	2021R041891
Date	May 13, 2021
Instrument	2021R-041891

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 28, 2018
Property Address	402 SPENCER PL, SAINT PETERS, MO 63376-2385
Document Number	0069831903
Book / Page	006983 / 001903
Instrument Date	Sep 27, 2018
Instrument	558450
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
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	402 SPENCER PL ST PETERS MO 633762385, ST PETERS, MO 63376-2385

Mortgage

Document Number	69831905
Date	Sep 28, 2018
Book Page	006983/001905
Instrument	558460

Lender

Name	STIFEL BK&TR
Type	Bank
Address	ST LOUIS, MO 83141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2048

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 28, 2018
Property Address	402 SPENCER PL, SAINT PETERS, MO 63376-2385
Document Number	0069831901
Book / Page	006983 / 001901
Instrument Date	Sep 22, 2018
Instrument	558440
Transaction Type	Transfer
Record Updated	Oct 18, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 SPENCER PL ST PETERS MO 633762385, ST PETERS, MO 63376-2385

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		$40,156 (-)	$211,345 (-) Land $50,000 Building $161,345
2025	$2,803.00	$40,156 (+8.16%)	$211,345 (+8.16%) Land $50,000 Building $161,345
2023		$37,127
2022			$195,402 Land $35,000 Building $160,402

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.

Nearby Properties on Spencer Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures