St. Charles County property record for 7 Spring Terrace Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,228 sqft · built 2001 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (Jan 2017) |
| Deeds & Mortgages | Nov 2021 Mortgage Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T010800046 |
| Primary APN | T010800046 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,228 sqft Living Area |
| Gross Area | 4,309 sqft |
| 1st Floor Area | 2,553 sqft |
| Basement Area | 1,126 sqft |
| Finished Basement | 675 sqft |
| Unfinished Basement | 451 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 8,276 sqft (0.19 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 36 sqft |
| Patio Area | 260 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T010800046 |
|---|---|
| Street Address | 7 SPRING TERRACE CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6487 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING LAKE ESTS #2 LOT 19 |
| Legal Subdivision | SPRING LAKE ESTS #2 |
| Legal Lot Number | 19 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 311148 |
7 Spring Terrace Ct is owned and occupied by two individuals who bought it in January 2017.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7 SPRING TERRACE CT, SAINT CHARLES, MO 63303-6487 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Jan 17, 2017 | Warranty Deed, Transfer · FHA Mortgage PNC MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 17, 2017 · Amount on File |
| Deed Sale | Jan 17, 2017 · Amount on File |
| Prior Sale | Jan 3, 2007 · Amount on File |
| Deed Document Number | 201732630 |
| Deed Book / Page | 6686 / 937 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 7 SPRING TERRACE CT, SAINT CHARLES, MO 63303-6487 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|---|
| Address | 7 SPRING TERRACE CT, SAINT CHARLES, MO 63303-6487 |
| Document Number | 2021R092254 |
|---|---|
| Date | Nov 9, 2021 |
| Instrument | 2021R-092254 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 17, 2017 |
| Property Address | 7 SPRING TERRACE CT, SAINT CHARLES, MO 63303-6487 |
| Document Number | 0066860937 |
| Book / Page | 6686 / 0937 |
| Map Reference | MB 37 PG 102-104 |
| Instrument Date | Jan 12, 2017 |
| Instrument | 20170117000032630 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7 SPRING TERRACE CT, 7, SAINT CHARLES, MO 63303-6487 |
| Name | Verified Name |
|---|---|
| Address | 7 SPRING TERRACE CT, SAINT CHARLES, MO 63303-6487 |
| Document Number | 20170117000032640 |
|---|---|
| Date | Jan 17, 2017 |
| Instrument | 20170117000032640 |
| Name | PNC MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2047 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $85,167 | $448,250 Land $80,000 Building $368,250 |
| 2023 | $78,346 | |
| 2022 | $412,348 Land $60,000 Building $352,348 |
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.
FEMA maps place 7 Spring Terrace Ct in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1983.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (1983–1995) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | May 1995 · Severe Storms, Tornadoes, Hail, Flooding |
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.
The area around 7 Spring Terrace Ct has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 474 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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