St. Charles County property record for 78 Spring Trail Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,655 sqft · built 2002 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $295,000 (Nov 2019) |
| Tax Bill | $4,760 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T010800079 |
| Primary APN | T010800079 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 3,655 sqft Living Area |
| Gross Area | 4,653 sqft |
| 1st Floor Area | 2,110 sqft |
| Basement Area | 2,060 sqft |
| Finished Basement | 1,545 sqft |
| Unfinished Basement | 515 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 8,712 sqft (0.2 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 140 sqft |
| Patio Area | 100 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T010800079 |
|---|---|
| Street Address | 78 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 52 |
| Legal Subdivision | SPRING LAKE ESTS #2 |
| Legal Lot Number | 52 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 311148 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 78 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2020 | Deed of Trust, Mortgage FLAT BR MTG |
| Nov 22, 2019 | Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| May 11, 2010 | Loan Modification, Mortgage FLAT BR MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 22, 2019 · Amount on Record |
| Deed Sale | Nov 22, 2019 · Amount on Record |
| Prior Sale | Oct 18, 2002 · Amount on Record |
| Deed Document Number | 2019672520 |
| Deed Book / Page | 7187 / 575 |
| Prior Transfer Date | Jun 29, 2009 |
| Prior Transfer Doc | 0052331986 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 78 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Document Number | 0000093643 |
| Instrument Date | Nov 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2021 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 78 SPRING TRAIL CT ST CHARLES MO 633036488, ST CHARLES, MO 63303-6488 |
| Document Number | 0000093643 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 93643 |
| Name | FLAT BR MTG |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Nov 30, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 22, 2019 |
| Property Address | 78 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Document Number | 0071870575 |
| Book / Page | 7187 / 0575 |
| Map Reference | MB 37 PG 102 |
| Instrument Date | Nov 21, 2019 |
| Instrument | 20191122000672520 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Document Number | 20191122000672530 |
|---|---|
| Date | Nov 22, 2019 |
| Instrument | 20191122000672530 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2034 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 78 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Document Number | 0073142279 |
| Instrument Date | May 11, 2010 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 78 SPRING TRAIL CT ST CHARLES MO 633036488, ST CHARLES, MO 63303-6488 |
| Document Number | 0073142279 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 007314/002279 |
| Instrument | 382390 |
| Name | FLAT BR MTG |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jun 7, 2035 |
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $79,380 (-) | $417,791 (-) Land $80,000 Building $337,791 | |
| 2025 | $4,760.00 (+5.54%) | $79,380 (+8.77%) | $417,791 (+8.77%) Land $80,000 Building $337,791 |
| 2024 | $4,510.00 | ||
| 2023 | $72,983 | ||
| 2022 | $384,121 Land $60,000 Building $324,121 |
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 · 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.
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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