St. Charles County property record for 48 Spring Gardens Ct, Saint Charles, MO 63303
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2.5 ba · 2,180 sqft · built 1996 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $279,965 (Dec 2020) |
| Deeds & Mortgages | Dec 2020 Mortgage Dec 2020 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A976000094 |
| Primary APN | A976000094 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,180 sqft Living Area |
| Gross Area | 3,132 sqft |
| 1st Floor Area | 1,382 sqft |
| Basement Area | 1,370 sqft |
| Finished Basement | 798 sqft |
| Unfinished Basement | 572 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Spanish |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,742 sqft (0.04 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Patio Area | 264 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A976000094 |
|---|---|
| Street Address | 48 SPRING GARDENS CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-3035 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | AE0 |
| Legal Description | SPRING GARDENS RESUB 5 UNIT 5D |
| Legal Subdivision | SPRING GARDENS RESUB 5 |
| Legal Lot Number | 5D |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 310903 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 48 SPRING GARDENS CT, SAINT CHARLES, MO 63303-3035 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Dec 30, 2020 | Quit Claim Deed, Transfer FIRST ST BK/ST CHARLES |
| Dec 30, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jun 27, 2019 | Warranty Deed, Transfer · Conventional Mortgage CARROLLTON BANK |
| Mar 19, 2019 | Quit Claim Deed, Foreclosure OTHER |
| Mar 19, 2019 | Special Warranty Deed, Transfer · Line of Credit AMERICAN BANK OF MISSOURI |
| Jul 10, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2020 · Amount on Record |
| Deed Sale | Dec 30, 2020 · Amount on Record |
| Prior Sale | Jun 27, 2019 · Amount on Record |
| Deed Document Number | 2020103043 |
| Prior Transfer Date | Dec 17, 2020 |
| Prior Transfer Doc | 0000103043 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 30, 2020 |
| Property Address | 48 SPRING GARDENS CT, SAINT CHARLES, MO 63303-3035 |
| Document Number | 0000103043 |
| Instrument Date | Dec 17, 2020 |
| Instrument | 103043 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 48 SPRING GARDENS CT ST CHARLES MO 633033035, ST CHARLES, MO 63303-3035 |
| Document Number | 103044 |
|---|---|
| Date | Dec 30, 2020 |
| Instrument | 103044 |
| Name | FIRST ST BK/ST CHARLES |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 29, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 30, 2020 |
| Property Address | 48 SPRING GARDENS CT, SAINT CHARLES, MO 63303-3035 |
| Document Number | 0000103045 |
| Instrument Date | Dec 17, 2020 |
| Instrument | 103045 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 48 SPRING GARDENS CT ST CHARLES MO 633033035, ST CHARLES, MO 63303-3035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 27, 2019 |
| Property Address | 48 SPRING GARDENS CT, SAINT CHARLES, MO 63303-3035 |
| Document Number | 0070961150 |
| Book / Page | 7096 / 1150 |
| Map Reference | MB 33 PG 348 |
| Instrument Date | Jun 26, 2019 |
| Instrument | 20190627000321290 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | STL |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 507 CHERRY LANE, 507, SAINT CHARLES, MO 63303 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 48 SPRING GARDENS CT, SAINT CHARLES, MO 63303-3035 |
| Document Number | 20190627000321300 |
|---|---|
| Date | Jun 27, 2019 |
| Instrument | 20190627000321300 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 19, 2019 |
| Property Address | 48 SPRING GARDENS CT, SAINT CHARLES, MO 63303-3035 |
| Document Number | 0070480502 |
| Book / Page | 007048 / 000502 |
| Instrument Date | Mar 5, 2019 |
| Instrument | 120980 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 5, 2019 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1455 BROAD ST #2ND BLOOMFIELD NJ 070033039, 2ND, BLOOMFIELD, NJ 07003-3039 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 19, 2019 |
| Property Address | 48 SPRING GARDENS CT, SAINT CHARLES, MO 63303-3035 |
| Document Number | 0070480507 |
| Book / Page | 7048 / 0507 |
| Map Reference | MB 66 PG 348 |
| Instrument Date | Feb 19, 2019 |
| Instrument | 20190319000121000 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 507 CHERRY LN, WARRENTON, MO 63383-1607 |
| Document Number | 20190319000121010 |
|---|---|
| Date | Mar 19, 2019 |
| Instrument | 20190319000121010 |
| Name | AMERICAN BANK OF MISSOURI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 10, 2018 |
| Property Address | 48 SPRING GARDENS CT, SAINT CHARLES, MO 63303-3035 |
| Document Number | 0069461483 |
| Book / Page | 006946 / 001483 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 388740 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 26, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 48 SPRING GARDENS CT ST CHARLES MO 633033035, ST CHARLES, MO 63303-3035 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $56,732 (+7.52%) | $298,588 (+7.52%) Building $298,588 |
| 2023 | $52,763 | |
| 2022 | $277,701 Building $277,701 |
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.
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| 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 | 1 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 328 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 | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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