12 Eagle Cove Ln, Saint Charles, MO 63303 Property Records

St. Charles County property record for 12 Eagle Cove Ln, Saint Charles, MO 63303

Property Summary

Property Type	Condominium
Details	4 bd · 3.5 ba · 4,094 sqft · built 2002
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$375,900 (May 2021)
Tax Bill	$4,627 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T020900055`

Property Details

APN / Parcel Number

Primary APN	`T020900055`
Alternative APN	`3-0003-8767-00-0084.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,094 sqft Living Area
Gross Area	4,974 sqft
1st Floor Area	1,647 sqft
Basement Area	1,460 sqft
Finished Basement	1,000 sqft
Unfinished Basement	460 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	26 sqft
Deck Area	Deck Area
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T020900055
Street Address	12 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 84
Legal Subdivision	CARROLLTON MANOR #1
Legal Lot Number	84
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1064
Census Tract	310901

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	12 EAGLE COVE LN, SAINT CHARLES, MO 63303-3699
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2021 · Amount on Record
Deed Sale	May 25, 2021 · Amount on Record
Prior Sale	Dec 3, 2015 · Amount on Record
Deed Document Number	202144975
Prior Transfer Date	Nov 20, 2015
Prior Transfer Doc	0064582403
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 25, 2021
Property Address	12 EAGLE COVE LN, SAINT CHARLES, MO 63303-3699
Document Number	2021R044975
Map Reference	MB 38 PG 45
Instrument Date	May 24, 2021
Instrument	2021R-044975
Transaction Type	Transfer
Record Updated	Jun 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12562 WINDMOOR PL, 12562, SAINT LOUIS, MO 63131-3018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 EAGLE COVE LN, SAINT CHARLES, MO 63303-3699

Mortgage

Document Number	2021R044976
Date	May 25, 2021
Instrument	2021R-044976

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,476 (-)	$423,557 (-) Building $423,557
2025	$4,627.00 (+4.49%)	$80,476 (+7.61%)	$423,557 (+7.61%) Building $423,557
2024	$4,428.00
2023		$74,787
2022			$393,618 Building $393,618

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

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	Severe Storms And Flooding, Jun 2008 · 2 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 2 claims Severe Storms & Flooding, Jul 1993 · 19 claims

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

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.

Drinking Water

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

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 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