St. Charles County property record for 64 Spring Trail Ct, Saint Charles, MO 63303 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,496 sqft · built 2002 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $536,987 (Jun 2026) |
| Tax Bill | $4,943 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T010800072 |
| Primary APN | T010800072 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,496 sqft Living Area |
| Gross Area | 4,574 sqft |
| 1st Floor Area | 1,368 sqft |
| Basement Area | 1,308 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 8,276 sqft (0.19 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 770 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | Deck Area |
| Patio Area | 238 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T010800072 |
|---|---|
| Street Address | 64 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 45 |
| Legal Subdivision | SPRING LAKE ESTS #2 |
| Legal Lot Number | 45 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 311148 |
Source: St. Charles County records · APN T010800072
Assessment roll updated August 13, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 64 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jun 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage PEOPLES NATIONAL BANK |
| Jan 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 30, 2026 · Amount on Record |
| Deed Sale | Jun 30, 2026 · Amount on Record |
| Prior Sale | Jun 12, 2003 · Amount on Record |
| Deed Document Number | 202630620 |
| Prior Transfer Date | Aug 11, 2025 |
| Prior Transfer Doc | 0000035406 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 30, 2026 |
| Property Address | 64 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Document Number | 0000030620 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 202630620 |
| Transaction Type | Transfer |
| Record Updated | Jul 09, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 64 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Document Number | 0000030621, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 202630621 |
| Name | PEOPLES NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 64 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 64 SPRING TRAIL CT, SAINT PETERS, MO 63303-6488 |
| Document Number | 0000002871 |
|---|---|
| Date | Jan 13, 2022 |
| Instrument | 2022R-002871 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2037 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,943.00 (+5.66%) | $82,442 (+8.88%) | $433,904 (+8.88%) Land $80,000 Building $353,904 |
| 2024 | $4,678.00 | ||
| 2023 | $75,715 | ||
| 2022 | $398,500 Land $60,000 Building $338,500 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111483, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Claims | 3 (1983–1995) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | May 1995, river or lake flooding, Severe Storms, Tornadoes, Hail, Flooding |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 474 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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