St. Charles County property record for 88 Spring Trail Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,084 sqft · built 2001 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $239,500 (Jan 2017) |
| Tax Bill | $4,468 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T010800084 |
| Primary APN | T010800084 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,084 sqft Living Area |
| Gross Area | 3,518 sqft |
| 1st Floor Area | 1,196 sqft |
| Basement Area | 974 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,454 sqft (0.24 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 90 sqft |
| Deck Area | Deck Area |
| Patio Area | 324 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T010800084 |
|---|---|
| Street Address | 88 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 57 |
| Legal Subdivision | SPRING LAKE ESTS #2 |
| Legal Lot Number | 57 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 311148 |
88 Spring Trail 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 | 88 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| 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 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Apr 17, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 17, 2017 · Amount on File |
| Deed Sale | Jan 17, 2017 · Amount on File |
| Prior Sale | Jun 18, 2001 · Amount on File |
| Deed Document Number | 201732650 |
| Deed Book / Page | 6686 / 955 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 88 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2021 |
| Name | Verified Name |
|---|---|
| Address | 88 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Document Number | 2021R094749 |
|---|---|
| Date | Nov 18, 2021 |
| Instrument | 2021R-094749 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | BURLINGAME, CA 94010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 114 Months |
| Due | May 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 88 SPRING TRAIL CT, SAINT CHARLES, MO 63303-6488 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0069052450 |
|---|---|
| Date | Apr 17, 2018 |
| Book Page | 6905/2450 |
| Instrument | 20180417000206330 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2033 |
The 2025 property tax bill for 88 Spring Trail Ct was $4,468.
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 | $74,489 (-) | $392,050 (-) Land $80,000 Building $312,050 | |
| 2025 | $4,468.00 | $74,489 | $392,050 Land $80,000 Building $312,050 |
| 2023 | $68,478 | ||
| 2022 | $360,411 Land $60,000 Building $300,411 |
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 88 Spring Trail 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 88 Spring Trail 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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