St. Charles County property record for 86 Spring Trail Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,836 sqft · built 2001 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $160,935 (Sep 2001) |
| Tax Bill | $4,376 (2025) |
| Deeds & Mortgages | Apr 2024 Sale Apr 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T010800083 |
| Primary APN | T010800083 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,836 sqft Living Area |
| Gross Area | 4,095 sqft |
| 1st Floor Area | 1,836 sqft |
| Basement Area | 1,818 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 98 sqft |
| Patio Area | 100 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T010800083 |
|---|---|
| Street Address | 86 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 56 |
| Legal Subdivision | SPRING LAKE ESTS #2 |
| Legal Lot Number | 56 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 86 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 4, 2024 | Beneficiary Deed, Transfer |
| Apr 5, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Apr 5, 2018 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2001 · Amount on Record |
| Deed Sale | Sep 18, 2001 · Amount on Record |
| Deed Document Number | 200179501 |
| Deed Book / Page | 2666 / 1913 |
| Last Transfer Date | Apr 3, 2024 |
| Transfer Doc | 0000012700 |
| Record Updated | Oct 29, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 4, 2024 |
| Property Address | 86 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Document Number | 0000012700 |
| Map Reference | MB 37 PG 102-104 |
| Instrument Date | Apr 3, 2024 |
| Instrument | 2024R-012700 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 86 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 86 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 86 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Document Number | 0000012814 |
|---|---|
| Date | Apr 5, 2023 |
| Instrument | 2023R-012814 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Mar 28, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 86 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | 0069010048 |
|---|---|
| Date | Apr 5, 2018 |
| Book Page | 6901/0048 |
| Instrument | 20180405000180970 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 28, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $72,935 (-) | $383,869 (-) Land $80,000 Building $303,869 | |
| 2025 | $4,376.00 | $72,935 (+9.22%) | $383,869 (+9.22%) Land $80,000 Building $303,869 |
| 2023 | $66,778 | ||
| 2022 | $351,461 Land $60,000 Building $291,461 |
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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