408 Spencer Pl, Saint Peters, MO 63376 Property Records

St. Charles County property record for 408 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 File
Last Sale	$78,500 (Jul 2014)
Tax Bill	$2,347 (2025)
Deeds & Mortgages	May 2017 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A850001463`

Property Details

APN / Parcel Number

Primary APN	`A850001463`
Alternative APN	`2-0110-5717-00-0002.0000000`

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
Roof Type	Gable
Roof Material	Asphalt
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

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

Location & Zoning

Account Number	A850001463
Street Address	408 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 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

408 Spencer Pl, a duplex, is owned and occupied by an individual who bought it in July 2014.

Source: St. Charles County records, as of August 7, 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 File
Mailing Address	408 SPENCER PL, SAINT PETERS, MO 63376-2385
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage FRONTIER FINANCIAL INC
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2014 · Amount on File
Deed Sale	Jul 2, 2014 · Amount on File
Prior Sale	Apr 15, 2014
Deed Document Number	2014349920
Deed Book / Page	6209 / 207
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	408 SPENCER PL, SAINT PETERS, MO 63376-2385
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000300150
Date	May 16, 2017
Book Page	6744/1063
Instrument	20170516000300150

Lender

Name	FRONTIER FINANCIAL INC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	408 SPENCER PL, SAINT PETERS, MO 63376-2385
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 SPENCER PL, SAINT PETERS, MO 63376-2385

Mortgage

Document Number	0000087112
Date	Nov 10, 2020
Instrument	2020R-087112

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 408 Spencer Pl was $2,347.

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		$33,536 (-)	$176,503 (-) Land $50,000 Building $126,503
2025	$2,347.00	$33,536	$176,503 Land $50,000 Building $126,503
2023		$30,409
2022			$160,048 Land $35,000 Building $125,048

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

FEMA maps place 408 Spencer Pl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 408 Spencer Pl is low, with less than a 0.01% annual chance of 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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