17286 Hilltop Ridge Dr, Eureka, MO 63025 Property Records

St. Louis County property record for 17286 Hilltop Ridge Dr, Eureka, MO 63025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,373 sqft · built 1999
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Jan 2019)
Tax Bill	$5,602 (2025)
Deeds & Mortgages	May 2023 Line of Credit Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28W-32-0199`

Property Details

APN / Parcel Number

Primary APN	`28W-32-0199`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,373 sqft Living Area
Gross Area	2,933 sqft
1st Floor Area	1,143 sqft
Basement Area	45 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	82 ft deep x 63 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Stoop
Patio Area	448 sqft
Balcony Area	42 sqft
Poultry House	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	17286 HILLTOP RIDGE DR
City	EUREKA
State	MO
Zip	63025-1039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	98R3CUP
Legal Description	FORESTS OF HILLTOP VILLAGE PLAT FOUR (THE) LOT 64
Legal Subdivision	FORESTS OF HILLTOP VILLAGE PLAT FOUR
Legal Lot Number	64
Jurisdiction	ST LOUIS MO
Township / Civil Division	MERAMEC
Census Block Group	4
Census Block	4017
Census Tract	221502

Owner

Source: St. Louis County records, as of September 29, 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	2000 SIDNEY ST, SAINT LOUIS, MO 63104-2829
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Aug 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jan 3, 2019	Warranty Deed, Transfer GUILD MTG
Mar 31, 2017	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2019 · Amount on Record
Deed Sale	Jan 3, 2019 · Amount on Record
Prior Sale	Mar 27, 2014
Deed Document Number	2019431
Deed Book / Page	23342 / 3386
Prior Transfer Date	Mar 24, 2014
Prior Transfer Doc	0209370425
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	17286 HILLTOP RIDGE DR, EUREKA, MO 63025-1039
Transaction Type	Mortgage
Record Updated	Feb 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17286 HILLTOP RIDGE DR, EUREKA, MO 63025-1039

Mortgage

Document Number	2023051800376
Date	May 18, 2023
Instrument	2023051800376

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 9, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	17286 HILLTOP RIDGE DR, EUREKA, MO 63025-1039
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	ORNTIC ST LOUIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17286 HILLTOP RIDGE DR, EUREKA, MO 63025-1039

Mortgage

Document Number	0242905558
Date	Aug 25, 2020
Book Page	24290/5558
Instrument	2020082502966

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Jan 3, 2019
Property Address	17286 HILLTOP RIDGE DR, EUREKA, MO 63025-1039
Document Number	0233423386
Book / Page	023342 / 003386
Instrument Date	Dec 28, 2018
Instrument	431
Transaction Type	Transfer
Record Updated	May 10, 2019
Title Company	HILLSBORO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2000 SIDNEY ST ST LOUIS MO 631042829, ST LOUIS, MO 63104-2829

Mortgage

Document Number	233423389
Date	Jan 3, 2019
Book Page	023342/003389
Instrument	432

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2049

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	17286 HILLTOP RIDGE DR, EUREKA, MO 63025-1039
Document Number	0224850289
Instrument Date	Mar 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	17286 HILLTOP RIDGE DR EUREKA MO 630251039, EUREKA, MO 63025-1039

Mortgage

Document Number	0224850289
Date	Apr 17, 2017
Book Page	022485/000289
Instrument	246

Lender

Name	PNC BK
Type	Bank
Address	EUREKA, MO 63025

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 16, 2057

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of September 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$77,350 (-) Land $21,620 Building $55,730	$407,100 (-) Land $113,800 Building $293,300
2025	$5,602.00 (-0.52%)	$77,350 (+2.55%) Land $21,620 Building $55,730	$407,100 (+2.54%) Land $113,800 Building $293,300
2024	$5,631.00 (-0.09%)
2023	$5,636.00 (+13.1%)	$75,430 (+21.56%) Land $13,510 Building $61,920	$397,000 (+21.56%) Land $71,100 Building $325,900
2022	$4,983.00	$62,050 Land $14,420 Building $47,630
2021			$326,600 Land $75,900 Building $250,700

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 10, 2025 · 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 Policies	1 in force

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	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

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, 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 362 locations within half a mile, as of December 31, 2025

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

May also be available: Socket Telecom, Wisper ISP.

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