406 Spencer Pl, Saint Peters, MO 63376 Property Records

St. Charles County property record for 406 Spencer Pl, Saint Peters, MO 63376

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 1,218 sqft · built 1985
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (May 2022)
Tax Bill	$2,519 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T992600009`

Property Details

APN / Parcel Number

Primary APN	`T992600009`
Alternative APN	`2-0110-5717-00-0002.1000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,218 sqft Living Area
Gross Area	2,100 sqft
1st Floor Area	624 sqft
Basement Area	594 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	6,098 sqft (0.14 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

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T992600009
Street Address	406 SPENCER PL
City	SAINT PETERS
State	MO
Zip	63376-2385
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SPENCER PL PT LOT 2
Legal Subdivision	SPENCER PL
Legal Lot Number	2
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	406 SPENCER PL, SAINT PETERS, MO 63376-2385
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
May 26, 2022	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Dec 14, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	Apr 15, 2014 · Amount on Record
Deed Document Number	202229753
Prior Transfer Date	Nov 12, 2020
Prior Transfer Doc	0000097858
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	406 SPENCER PL, SAINT PETERS, MO 63376-2385
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SPENCER PL, SAINT PETERS, MO 63376-2385

Mortgage

Document Number	0000029950
Date	May 26, 2022
Instrument	2022R-029950

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2037

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 26, 2022
Property Address	406 SPENCER PL, SAINT PETERS, MO 63376-2385
Document Number	0000029753
Map Reference	MB 23 PG 101
Instrument Date	Apr 7, 2022
Instrument	2022R-029753
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SPENCER PL, SAINT PETERS, MO 63376-2385

Mortgage

Document Number	0000029950
Date	May 26, 2022
Instrument	2022R-029950

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2037

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 14, 2020
Property Address	406 SPENCER PL, SAINT PETERS, MO 63376-2385
Document Number	0000097858
Instrument Date	Nov 12, 2020
Instrument	97858
Transaction Type	Transfer
Record Updated	Mar 9, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	406 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		$36,032 (-)	$189,639 (-) Land $50,000 Building $139,639
2025	$2,519.00	$36,032 (+9.84%)	$189,639 (+9.84%) Land $50,000 Building $139,639
2023		$32,805
2022			$172,653 Land $35,000 Building $137,653

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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