St. Charles County property record for 10 Eagle Cove Ln, Saint Charles, MO 63303
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 4.5 ba · 4,196 sqft · built 2003 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $435,000 (Jan 2026) |
| Tax Bill | $4,858 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Jan 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T020900056 |
| Primary APN | T020900056 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 4,196 sqft Living Area |
| Gross Area | 5,120 sqft |
| 1st Floor Area | 1,690 sqft |
| Basement Area | 1,540 sqft |
| Finished Basement | 1,016 sqft |
| Unfinished Basement | 524 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 316 sqft |
| Patio Area | 216 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T020900056 |
|---|---|
| Street Address | 10 EAGLE COVE LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-3699 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | CARROLLTON MANOR #1 UNIT 85 |
| Legal Subdivision | CARROLLTON MANOR #1 |
| Legal Lot Number | 85 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 310901 |
10 Eagle Cove Ln, a condominium, is owned and occupied by two individuals who bought it in January 2026.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 EAGLE COVE LN, SAINT CHARLES, MO 63303-3699 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jan 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jan 5, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jun 18, 2019 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jul 5, 2017 | Warranty Deed, Transfer · ARM TITLE PARTNERS AGENCY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2026 · Amount on File |
| Deed Sale | Jan 8, 2026 · Amount on File |
| Prior Sale | Jul 5, 2017 · Amount on File |
| Deed Document Number | 20261194 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 10 EAGLE COVE LN, SAINT CHARLES, MO 63303-3699 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Title Company | TITLE PREMIER LLC, TITLE PREMIER |
| Name | Verified Name |
|---|---|
| Address | 710 KINGSTON TERRACE CT, SAINT CHARLES, MO 63301-1486 |
| Document Number | 0000001195 |
|---|---|
| Date | Jan 8, 2026 |
| Instrument | 2026R-001195 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 10 EAGLE COVE LN, SAINT CHARLES, MO 63303-3699 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2023 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 10 EAGLE COVE LN, SAINT CHARLES, MO 63303-3699 |
| Document Number | 0000000589 |
|---|---|
| Date | Jan 5, 2023 |
| Instrument | 2023R-000589 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 4, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 10 EAGLE COVE LN, SAINT CHARLES, MO 63303-3699 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 10 EAGLE COVE LN, SAINT CHARLES, MO 63303-3699 |
| Document Number | 0000000148 |
|---|---|
| Date | Jan 3, 2022 |
| Instrument | 2022R-000148 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 10 EAGLE COVE LN, SAINT CHARLES, MO 63303-3699 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000300580 |
|---|---|
| Date | Jun 18, 2019 |
| Book Page | 7091/0949 |
| Instrument | 20190618000300580 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54902 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Apr 18, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 5, 2017 |
| Property Address | 10 EAGLE COVE LN, SAINT CHARLES, MO 63303-3699 |
| Document Number | 0067691654 |
| Book / Page | 6769 / 1654 |
| Map Reference | MB 38 PG 45 |
| Instrument Date | Jun 29, 2017 |
| Instrument | 20170705000413290 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 EAGLE COVE LN, SAINT CHARLES, MO 63303-3699 |
| Document Number | , 20170705000413300 |
|---|---|
| Date | Jul 5, 2017 |
| Instrument | 20170705000413300 |
| Type | Bank |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Jul 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.75% |
| Index | 1-Year CMT |
| Max Rate | 7.75% |
The 2025 property tax bill for 10 Eagle Cove Ln was $4,858.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $84,509 (-) | $444,783 (-) Building $444,783 | |
| 2025 | $4,858.00 | $84,509 | $444,783 |
| 2023 | $78,537 | ||
| 2022 | $413,354 Building $413,354 |
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 10 Eagle Cove Ln in Zone X, an area of minimal flood risk, though there have been 69 flood claims nearby since 1979.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 69 (1979–2014) |
| Claims Outside the SFHA | 14 of 69 |
| Most Recent Claim | Jun 2014 · river or lake flooding |
| Claims by Event |
|
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 risk around 10 Eagle Cove Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.6% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 363 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL 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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