823 Hidden Spring Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 823 Hidden Spring Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,504 sqft · built 2001
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$327,442 (Jun 2001)
Deeds & Mortgages	Jun 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T011100076`

Property Details

APN / Parcel Number

Primary APN	`T011100076`
Alternative APN	`3-0041-8552-00-0006.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,504 sqft Living Area
1st Floor Area	2,504 sqft
Basement Area	2,474 sqft
Finished Basement	1,237 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	55 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T011100076
Old Parcel Number	T011100076
Street Address	823 HIDDEN SPRING DR
City	SAINT CHARLES
State	MO
Zip	63304-8408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN SPRING LOT 6
Legal Subdivision	HIDDEN SPRING
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1003
Census Tract	311132

Owner

Source: St. Charles County records · APN T011100076

Assessment roll updated July 1, 2023 · Last verified October 2023

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	823 HIDDEN SPRING DR, SAINT CHARLES, MO 63304-8408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 14, 2001 · Amount on Record
Deed Sale	Jun 14, 2001 · Amount on Record
Deed Document Number	0025961823
Deed Book / Page	2596 / 1823
Record Updated	Jun 07, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	823 HIDDEN SPRING DR, SAINT CHARLES, MO 63304-8408
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 HIDDEN SPRING DR, SAINT CHARLES, MO 63304-8408

Mortgage

Document Number	0000031526
Date	Jun 06, 2022
Instrument	2022R-031526

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2023 · Last verified October 2023

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

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	Assessed Value	Assessed Market Value
2023	$92,284
2022		$485,704 Land $77,000 Building $408,704

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	26 (1979–2019)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jan 2016 · 5 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 3 claims Severe Storms & Flooding, Sep 1993 · 9 claims

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.02% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 377 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.