8 Still Spring Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 8 Still Spring Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,148 sqft · built 1987
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Nov 2017)
Tax Bill	$3,766 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A883000001`

Property Details

APN / Parcel Number

Primary APN	`A883000001`
Alternative APN	`3-157C-6173-00-042A.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,148 sqft Living Area
Gross Area	3,464 sqft
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	132 sqft
Unfinished Basement	876 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	140 sqft
Patio Area	476 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A883000001
Street Address	8 STILL SPRING CT
City	SAINT CHARLES
State	MO
Zip	63304-2415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERFORD EST RESUB LOTS 42-43 LOT 42A
Legal Subdivision	WATERFORD EST RESUB
Legal Lot Number	42A
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3034
Census Tract	311124

Owner

8 Still Spring Ct is owned and occupied by two individuals who bought it in November 2017.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8 STILL SPRING CT, SAINT CHARLES, MO 63304-2415
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Sep 26, 2022	Deed of Trust, Mortgage COMMERCE BANK
Nov 28, 2017	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2017 · Amount on File
Deed Sale	Nov 28, 2017 · Amount on File
Prior Sale	Dec 21, 2011 · Amount on File
Deed Document Number	2017735730
Deed Book / Page	6844 / 1701
Prior Transfer Date	Dec 14, 2011
Prior Transfer Doc	0056951673
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	8 STILL SPRING CT, SAINT CHARLES, MO 63304-2415
Transaction Type	Mortgage
Record Updated	Oct 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 STILL SPRING CT, SAINT CHARLES, MO 63304-2415

Mortgage

Document Number	0000053234
Date	Sep 28, 2022
Instrument	2022R-053234

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 10, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	8 STILL SPRING CT, SAINT CHARLES, MO 63304-2415
Transaction Type	Mortgage
Record Updated	Oct 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 STILL SPRING CT, SAINT CHARLES, MO 63304-2415

Mortgage

Document Number	0000052707
Date	Sep 26, 2022
Instrument	2022R-052707

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Amount	Amount on Record
Term	144 Months
Due	Sep 10, 2034

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 28, 2017
Property Address	8 STILL SPRING CT, SAINT CHARLES, MO 63304-2415
Document Number	0068441701
Book / Page	6844 / 1701
Map Reference	MB 26 PG 114
Instrument Date	Nov 17, 2017
Instrument	20171128000735730
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5452 CAXTON ST, 5452, MIRA LOMA, CA 91752

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 STILL SPRING CT, SAINT CHARLES, MO 63304-2415

Mortgage

Document Number	20171128000735740
Date	Nov 28, 2017
Instrument	20171128000735740

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 8 Still Spring Ct was $3,766, up 11.6% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,462 (-)	$334,012 (-) Land $58,500 Building $275,512
2025	$3,766.00 (+11.59%)	$63,462	$334,012 Land $58,500 Building $275,512
2024	$3,375.00
2023		$56,446
2022			$297,084 Land $58,500 Building $238,584

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 8 Still Spring Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2017 · other causes

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.

Wildfire

Wildfire risk around 8 Still Spring Ct is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

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